432 Pine Forest Ct, Vale, NC 28168 Property Records

Lincoln County property record for 432 Pine Forest Ct, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,206 sqft · built 2000
Lot Size	1.1 acres (48,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Dec 2023)
Tax Bill	$1,475 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Oct 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`2674-44-4656`

Property Details

APN / Parcel Number

Primary APN	`2674-44-4656`
Alternative APNs	`267400444656` `262587` `301505` `74243`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,206 sqft Living Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	48,003 sqft (1.1 acres)
Storage Building	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	301505
Street Address	432 PINE FOREST CT
City	VALE
State	NC
Zip	28168-7493
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#10 PINE FOREST SUB
Legal Subdivision	PINE FOREST
Jurisdiction	LINCOLN NC
Township / Civil Division	NORTH BROOK
Census Block Group	2
Census Block	2010
Census Tract	70500

Owner

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	432 PINE FOREST CT, VALE, NC 28168-7493
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage JOLT CREDIT UNION
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Jun 14, 2018	Deed of Trust, Mortgage · FHA Mortgage WEI MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	May 14, 2001 · Amount on Record
Deed Document Number	2023675271
Deed Book / Page	3295 / 411
Prior Transfer Date	May 9, 2017
Prior Transfer Doc	0000562713
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 18, 2023
Property Address	432 PINE FOREST CT, VALE, NC 28168-7493
Document Number	0003295411
Book / Page	3295 / 411
Map Reference	MB 9 PG 138&139
Instrument Date	Dec 18, 2023
Instrument	675271
Transaction Type	Transfer
Record Updated	Jan 19, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3409 ASBURY CHURCH RD, LINCOLNTON, NC 28092-9490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 PINE FOREST CT, VALE, NC 28168-7493

Mortgage

Document Number	0000675272
Date	Dec 18, 2023
Instrument	675272

Lender

Name	JOLT CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	432 PINE FOREST CT, VALE, NC 28168-7493
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003201448
Date	Oct 5, 2022
Book Page	3201/448
Instrument	658681

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	LINCOLNTON, NC 28093

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	432 PINE FOREST CT, VALE, NC 28168-7493
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	297737
Date	Nov 20, 2020
Book Page	2977/37
Instrument	620361

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	432 PINE FOREST CT, VALE, NC 28168-7493
Document Number	2750692
Instrument Date	Jun 14, 2018
Transaction Type	Mortgage
Record Updated	Jun 29, 2018
Title Company	CLA TITLE AND ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 PINE FOREST CT VALE NC 281687493, VALE, NC 28168-7493

Mortgage

Document Number	2750692
Date	Jun 19, 2018
Book Page	002750/000692
Instrument	579456

Lender

Name	WEI MTG
Type	Mortgage Company
Address	MCLEAN, VA 22102

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2048

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,475.00 (+1.37%)	$224,912 (-) Land $33,765 Building $191,147	$224,912 (-) Land $33,765 Building $191,147
2023	$1,455.00	$224,912 Land $33,765 Building $191,147	$224,912 Land $33,765 Building $191,147

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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