4792 Bonnie Brook Ct, Vale, NC 28168 Property Records

Lincoln County property record for 4792 Bonnie Brook Ct, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,316 sqft · built 2021
Lot Size	0.462 acres (20,125 sqft)
Owner	2 Individual Names on File
Last Sale	$406 (Jun 2021)
Tax Bill	$1,638 (2026)
Deeds & Mortgages	Feb 2021 Construction Loan Jun 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2695-71-6420`

Property Details

APN / Parcel Number

Primary APN	`2695-71-6420`
Alternative APNs	`182935` `81856`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Lot Area	20,125 sqft (0.462 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	182935
Street Address	4792 BONNIE BROOK CT
City	VALE
State	NC
Zip	28168-8228
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-S
Legal Description	#19 LOT CARLTONS RIDGE P2
Legal Subdivision	CARLTONS RIDGE SUBDIVISION
Legal Lot Number	19
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1020
Census Tract	70700

Owner

4792 Bonnie Brook Ct is owned and occupied by two individuals who bought it in June 2021.

Source: Lincoln County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4792 BONNIE BROOK CT, VALE, NC 28168-8228
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2021	Deed of Trust, Mortgage · Construction Mortgage UNITED BANK
Jun 11, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2021 · Amount on File
Deed Sale	Jun 11, 2021 · Amount on File
Deed Document Number	2021632979
Deed Book / Page	3050 / 830
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4792 BONNIE BROOK CT, VALE, NC 28168-8228
Transaction Type	Mortgage
Record Updated	Sep 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003002629
Date	Feb 3, 2021
Book Page	3002/629
Instrument	624590

Lender

Name	UNITED BANK
Type	Bank
Address	LINCOLNTON, NC 28092

Agreement

Type	Construction Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jun 11, 2021
Property Address	4792 BONNIE BROOK CT, VALE, NC 28168-8228
Document Number	0003050830
Book / Page	3050 / 830
Map Reference	MB 12 PG 260&261
Instrument Date	Jun 11, 2021
Instrument	632979
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$406.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1459 N ASPEN ST, 1459, LINCOLNTON, NC 28092-7267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4792 BONNIE BROOK COURT, VALE, NC 28168-8228

Mortgage

Document Number	0000632980
Date	Jun 11, 2021
Instrument	632980

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 4792 Bonnie Brook Ct was $1,638.

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	$1,638.00	$240,139 Land $26,200 Building $213,939	$240,139 Land $26,200 Building $213,939
2023	$1,574.00	$233,136 Land $26,200 Building $206,936	$233,136 Land $26,200 Building $206,936

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

Flood

FEMA maps place 4792 Bonnie Brook Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · other causes

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

Wildfire risk around 4792 Bonnie Brook Ct is low, with a 0.05% annual chance of 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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