4876 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 4876 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,422 sqft · built 2006
Lot Size	7.6 acres (331,230 sqft)
Owner	Individual Name on File
Last Sale	$600,000 (Jan 2025)
Tax Bill	$3,340 (2026)
Deeds & Mortgages	Jul 2026 Construction Loan Mar 2026 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`3626-24-7427`

Property Details

APN / Parcel Number

Primary APN	`3626-24-7427`
Alternative APNs	`3626-24-7451` `362600246462` `289147` `308704` `18142`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,422 sqft Living Area

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	331,230 sqft (7.6 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	500 sqft
Quonset Hut	348 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	308704
Street Address	4876 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-9580
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF & R-R
Legal Description	UNDEVEL & PT#9 BEASON
Legal Subdivision	UNDEVEL BEASON ACRES
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3015
Census Tract	70800

Owner

4876 Ritchie Rd is owned and occupied by an individual who bought it in January 2025.

Source: Lincoln County records, as of October 7, 2026

Owner of Record	Individual Name on File
Mailing Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

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
Jul 13, 2026	Deed of Trust, Mortgage · Construction Mortgage HIGHLANDS RESID'L MORTGAGE
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit COASTAL FCU
Feb 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC
Jan 20, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 10, 2021	Intrafamily Transfer, Transfer
Nov 10, 2021	Intrafamily Transfer, Transfer
Aug 5, 2020	Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Prior Sale	Jan 20, 2022 · Amount on File
Deed Document Number	2025690107
Deed Book / Page	3382 / 709
Prior Transfer Date	May 6, 2005
Prior Transfer Doc	17070635
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Jul 13, 2026
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Document Number	0000712267
Book / Page	3519 / 893
Instrument Date	Jul 10, 2026
Instrument	2026712267
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	TRINITY ABSTRACT, TRITON ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	113 CRESTWOOD DR, MOUNT HOLLY, NC 28120-3001

Mortgage

Document Number	0000712267,
Date	Jul 13, 2026
Book Page	3519/893
Instrument	2026712267

Lender

Name	HIGHLANDS RESID'L MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000348755
Date	Mar 20, 2026
Book Page	3487/55
Instrument	706953

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580

Mortgage

Document Number	0000347994
Date	Feb 20, 2026
Book Page	3479/94
Instrument	705695

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jan 20, 2022
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Document Number	0003128857
Book / Page	3128 / 857
Instrument Date	Jan 19, 2022
Instrument	646204
Transaction Type	Transfer
Record Updated	Mar 23, 2022
Title Company	BRIDGETRUST TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$926.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	703 BELLOWS LN, 703, CHARLOTTE, NC 28270-1091

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Mortgage

Document Number	0000646205
Date	Jan 20, 2022
Instrument	646205

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Feb 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	5.15%

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Nov 10, 2021
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Document Number	3106214
Book / Page	3106 / 214
Map Reference	MB 11 PG 494&495
Instrument Date	Nov 10, 2021
Instrument	642416
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	171 LONGSIGHT LN APT 106, 171, ROCK HILL, SC 29730-7825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	LINCOLN NC
Recording Date	Nov 10, 2021
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Document Number	3106217
Book / Page	3106 / 217
Instrument Date	Nov 10, 2021
Instrument	642417
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	171 LONGSIGNT LN #106 # 106, 106, ROCK HILL, SC 29730-7825

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Aug 5, 2020
Property Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580
Document Number	2935989
Book / Page	2935 / 989
Instrument Date	Aug 5, 2020
Instrument	613396
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4876 RITCHIE RD, LINCOLNTON, NC 28092-9580

Mortgage

Document Number	613397
Date	Aug 5, 2020
Instrument	613397

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 4876 Ritchie Rd was $3,340, up 0.1% from the year before.

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	$3,340.00 (+0.09%)	$525,546 (-0.71%) Land $61,523 Building $464,023	$525,546 (-0.71%) Land $61,523 Building $464,023
2025	$3,337.00	$529,326 Land $65,303 Building $464,023	$529,326 Land $65,303 Building $464,023
2023	$3,237.00	$529,326 Land $65,303 Building $464,023	$529,326 Land $65,303 Building $464,023

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

Flood

FEMA maps place 4876 Ritchie Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4876 Ritchie Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 47 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ritchie Rd

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