5079 Ritchie Rd, Lincolnton, NC 28092 Property Records

Lincoln County property record for 5079 Ritchie Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,817 sqft · built 2022
Lot Size	1.23 acres (53,709 sqft)
Owner	2 Individual Names on Record
Last Sale	$342,000 (Jul 2023)
Tax Bill	$2,171 (2026)
Deeds & Mortgages	Oct 2022 Mortgage Jun 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`3626-45-4158`

Property Details

APN / Parcel Number

Primary APN	`3626-45-4158`
Alternative APNs	`103369` `284578` `282439` `298662`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,817 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Custom Design
Lot Area	53,709 sqft (1.23 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	298662
Street Address	5079 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	#11 LT RIDGE VIEW ACRES
Legal Subdivision	RIDGE VIEW ACRES
Legal Lot Number	11
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	3
Census Block	3010
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	5079 RITCHIE RD, LINCOLNTON, NC 28092-5831
Occupancy	Owner Occupied
Owner Type	Individual

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 ATLANTIC BAY MORTGAGE GROUP LLC
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 Record
Deed Sale	Jul 27, 2023 · Amount on Record
Prior Sale	Apr 22, 2022 · Amount on Record
Deed Document Number	2023669971
Deed Book / Page	3265 / 798
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	5079 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	0003206419
Date	Oct 25, 2022
Book Page	3206/419
Instrument	659548

Lender

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

Agreement

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

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	5079 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	0003258421
Date	Jun 22, 2023
Book Page	3258/421
Instrument	668678

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Jul 27, 2023
Property Address	5079 RITCHIE RD, LINCOLNTON, NC 28092-5831
Document Number	0003265798
Book / Page	3265 / 798
Map Reference	MB 20 PG 6
Instrument Date	Jul 21, 2023
Instrument	669971
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 20, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.00
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	5079 RITCHIE RD, LINCOLNTON, NC 28092-5831

Mortgage

Document Number	0000669972
Date	Jul 27, 2023
Instrument	669972

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
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	5079 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 Recorded
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	5079 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 Recorded
Term	3 Months
Due	Jan 20, 2023

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	$2,171.00 (+0.79%)	$333,533 (-) Land $42,236 Building $291,297	$333,533 (-) Land $42,236 Building $291,297
2025	$2,154.00 (+571.03%)	$333,533 (+190.45%) Land $42,236 Building $291,297	$333,533 (+190.45%) Land $42,236 Building $291,297
2023	$321.00 (+154.76%)	$114,835 (+531.38%) Land $42,236 Building $72,599	$114,835 (+531.38%) Land $42,236 Building $72,599
2022	$126.00	$18,188 Land $18,188	$18,188 Land $18,188

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

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 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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