Lincoln County property record for 509 Willow St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 784 sqft · built 1955 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $73,000 (Jun 2018) |
| Tax Bill | $1,015 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3623-61-0661 |
| Primary APN | 3623-61-0661 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 784 sqft Living Area |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,841 sqft (0.18 acres) |
| Cabin | 784 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 267891 |
|---|---|
| Street Address | 509 WILLOW ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-2461 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-8 |
| Legal Description | 509 WILLOW ST |
| Legal Subdivision | WARD THREE |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 70100 |
509 Willow St is owned and occupied by an individual who bought it in June 2018.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 509 WILLOW ST, LINCOLNTON, NC 28092-2461 |
| 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.
| Date | Document |
|---|---|
| Dec 21, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 15, 2018 | Warranty Deed, Transfer · Conventional with PMI ATLANTIC BAY MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 15, 2018 · Amount on File |
| Deed Sale | Jun 15, 2018 · Amount on File |
| Prior Sale | Oct 15, 1999 · Amount on File |
| Deed Document Number | 2018579336 |
| Deed Book / Page | 2750 / 59 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 509 WILLOW ST, LINCOLNTON, NC 28092-2461 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2024 |
| Name | Verified Name |
|---|---|
| Address | 509 WILLOW ST, LINCOLNTON, NC 28092-2461 |
| Document Number | 0003296174 |
|---|---|
| Date | Dec 21, 2023 |
| Book Page | 3296/174 |
| Instrument | 675410 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Dec 1, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Jun 15, 2018 |
| Property Address | 509 WILLOW ST, LINCOLNTON, NC 28092-2461 |
| Document Number | 275059 |
| Book / Page | 002750 / 000059 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 579336 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $146.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 104 DAVIS ST LINCOLNTON NC 280924005, LINCOLNTON, NC 28092-4005 |
| Document Number | 275061 |
|---|---|
| Date | Jun 15, 2018 |
| Book Page | 002750/000061 |
| Instrument | 579337 |
| Name | ATLANTIC BAY MTG |
|---|---|
| Type | Mortgage Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 14, 2048 |
The 2026 property tax bill for 509 Willow St was $1,015.
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Municipality | Lincolnton City |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,015.00 | $87,668 Land $23,000 Building $64,668 | $87,668 Land $23,000 Building $64,668 |
| 2023 | $995.00 | $87,668 Land $23,000 Building $64,668 | $87,668 Land $23,000 Building $64,668 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 509 Willow St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 509 Willow St is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF LINCOLNTON serves 16,309 people · EPA ID NC0155010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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