4566 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 4566 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,404 sqft · built 1993
Lot Size	0.984 acres (42,863 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Dec 2017)
Tax Bill	$881 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3626-22-0410`

Property Details

APN / Parcel Number

Primary APN	`3626-22-0410`
Alternative APNs	`362600220410` `265729` `58393`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	42,863 sqft (0.984 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	265729
Street Address	4566 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9577
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-R
Legal Description	1.026 AC WATERS LAND
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3015
Census Tract	70800

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	4566 RITCHIE RD, LINCOLNTON, NC 28092-9577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage · FHA Mortgage SUMMIT FUNDING INC
Dec 29, 2017	Warranty Deed, Transfer · FHA Mortgage SUMMIT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 29, 2017 · Amount on Record
Deed Sale	Dec 29, 2017 · Amount on Record
Prior Sale	Oct 10, 1996 · Amount on Record
Deed Document Number	2017572464
Deed Book / Page	2715 / 344
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4566 RITCHIE RD, LINCOLNTON, NC 28092-9577
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003206926
Date	Oct 26, 2022
Book Page	3206/926
Instrument	659624

Lender

Name	SUMMIT FUNDING INC
Type	Mortgage Company
Address	SACRAMENTO, CA 95834

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 29, 2017
Property Address	4566 RITCHIE RD, LINCOLNTON, NC 28092-9577
Document Number	2715344
Book / Page	002715 / 000344
Instrument Date	Dec 29, 2017
Instrument	572464
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4566 RITCHIE RD LINCOLNTON NC 280929577, LINCOLNTON, NC 28092-9577

Mortgage

Document Number	2715347
Date	Dec 29, 2017
Book Page	002715/000347
Instrument	572465

Lender

Name	SUMMIT FNDG
Type	Funding / Finance Company
Address	SACRAMENTO, CA 95815

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2047

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	$881.00 (+5.38%)	$121,723 (-) Land $26,939 Building $94,784	$121,723 (-) Land $26,939 Building $94,784
2023	$836.00	$121,723 Land $26,939 Building $94,784	$121,723 Land $26,939 Building $94,784

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 64% of the US · above 49% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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