Lincoln County property record for 411 Elm St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,171 sqft · built 1984 |
| Lot Size | 0.479 acres (20,865 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $68,880 (Nov 2006) |
| Tax Bill | $1,133 (2026) |
| Deeds & Mortgages | Feb 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 3643-94-5255 |
| Primary APN | 3643-94-5255 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,171 sqft Living Area |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 20,865 sqft (0.479 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 316424 |
|---|---|
| Street Address | 411 ELM ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-8127 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-SF |
| Legal Description | 26 PINE VILLAGE R27 |
| Legal Subdivision | PINE VILLAGE |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | IRONTON |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 71001 |
Source: Lincoln County records, as of August 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 411 ELM ST, LINCOLNTON, NC 28092-8127 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 20, 2006 · Amount on Record |
| Deed Sale | Nov 20, 2006 · Amount on Record |
| Prior Sale | Nov 27, 1996 · Amount on Record |
| Deed Document Number | 200618432 |
| Deed Book / Page | 1873 / 662 |
| Last Transfer Date | Apr 8, 2026 |
| Transfer Doc | 0003493915 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 411 ELM ST, LINCOLNTON, NC 28092-8127 |
| Document Number | 2801287 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2019 |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 580 SHERRILL FARM RD LINCOLNTON NC 280927580, LINCOLNTON, NC 28092-7580 |
| Document Number | 2801287 |
|---|---|
| Date | Mar 7, 2019 |
| Book Page | 002801/000287 |
| Instrument | 589608 |
| Name | JP MORGAN CHASE BK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 6, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,133.00 | $159,225 (-) Land $28,000 Building $131,225 | $159,225 (-) Land $28,000 Building $131,225 |
| 2025 | $1,133.00 (+1.8%) | $159,225 (-) Land $28,000 Building $131,225 | $159,225 (-) Land $28,000 Building $131,225 |
| 2023 | $1,113.00 | $159,225 Land $28,000 Building $131,225 | $159,225 Land $28,000 Building $131,225 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 21, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Nov 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T.
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