5063 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 5063 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,812 sqft · built 2022
Lot Size	1 acres (43,821 sqft)
Owner	2 Individual Names on File
Last Sale	$329,000 (Jul 2023)
Tax Bill	$2,126 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3626-45-3219`

Property Details

APN / Parcel Number

Primary APN	`3626-45-3219`
Alternative APNs	`103370` `284578` `282439` `298677`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,812 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Lot Area	43,821 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	298677
Street Address	5063 RITCHIE RD
City	LINCOLNTON
State	NC
Zip	28092-5831
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#10 LT RIDGE VIEW ACRES
Legal Subdivision	RIDGE VIEW ACRES
Legal Lot Number	10
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3010
Census Tract	70800

Owner

5063 Ritchie Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
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
Oct 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage MCU FINANCIAL CENTER CU
Jun 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage AMERIFIRST FINANCIAL INC
Jul 27, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Apr 22, 2022	Warranty Deed, Transfer
Oct 25, 2022	Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 27, 2023 · Amount on File
Deed Sale	Jul 27, 2023 · Amount on File
Prior Sale	Apr 22, 2022 · Amount on File
Deed Document Number	2023670015
Deed Book / Page	3266 / 96
Prior Transfer Date	Dec 29, 2022
Prior Transfer Doc	0000661991
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
Transaction Type	Mortgage
Record Updated	Nov 20, 2023
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 RACEWAY DR 7, 7, MOORESVILLE, NC 28117-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	0003206383
Date	Oct 25, 2022
Book Page	3206/383
Instrument	659546

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union
Address	CLEVELAND, OH 44114

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	3 Months
Due	Jan 20, 2023

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 RACEWAY DR 7, 7, MOORESVILLE, NC 28117-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	0003258467
Date	Jun 22, 2023
Book Page	3258/467
Instrument	668681

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	13 Months
Due	Jul 1, 2024

July 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 27, 2023
Property Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
Document Number	0000326696
Book / Page	3266 / 96
Map Reference	MB 20 PG 6
Instrument Date	Jul 18, 2023
Instrument	670015
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$658.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831

Mortgage

Document Number	0000670016
Date	Jul 27, 2023
Instrument	670016

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 22, 2022
Property Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
Document Number	0000315857
Book / Page	3158 / 57
Map Reference	MB 20 PG 6
Instrument Date	Apr 19, 2022
Instrument	651086
Transaction Type	Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount on Record
Tax	$552.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965
Investor	Possibly a Property Investor

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 25, 2022
Property Address	5063 RITCHIE RD, LINCOLNTON, NC 28092-5831
Document Number	0003206322
Book / Page	3206 / 322
Map Reference	MB 20 PG 6
Instrument Date	Apr 18, 2022
Instrument	659523
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 RACEWAY DR STE 7, 7, MOORESVILLE, NC 28117-6518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965
Investor	Possibly a Property Investor

Mortgage

Document Number	0000659552
Date	Oct 25, 2022
Instrument	659552

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	3 Months
Due	Jan 20, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 5063 Ritchie Rd was $2,126, up 0.8% 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	$2,126.00 (+0.76%)	$326,177 (-) Land $40,057 Building $286,120	$326,177 (-) Land $40,057 Building $286,120
2025	$2,110.00	$326,177 Land $40,057 Building $286,120	$326,177 Land $40,057 Building $286,120
2023	$308.00 (+161.02%)	$111,361 (+553.91%) Land $40,057 Building $71,304	$111,361 (+553.91%) Land $40,057 Building $71,304
2022	$118.00	$17,030 Land $17,030	$17,030 Land $17,030

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5063 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 5063 Ritchie Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% 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.

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