Lincoln County property record for 517 E Main St, Lincolnton, NC 28092
| Property Type | Office Building |
|---|---|
| Details | 2,400 sqft · built 1970 |
| Lot Size | 0.442 acres (19,297 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $220,500 (Jun 2005) |
| Tax Bill | $4,715 (2023) |
| Deeds & Mortgages | Oct 2025 Mortgage Jan 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3633-05-0091 |
| Primary APN | 3633-05-0091 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 2,400 sqft Finished Area |
| Year Built | Built 1970 |
|---|---|
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 19,297 sqft (0.442 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 185833 |
|---|---|
| Old Parcel Number | 363309050091 |
| Street Address | 517 E MAIN ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-3409 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Local Zoning Code | CBT |
| Legal Description | 521 & 523 E MAIN ST |
| Legal Block | 5 |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 5 |
| Census Block | 5044 |
| Census Tract | 70100 |
Source: Lincoln County records, as of November 17, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 3151 JAMES PLANTATION DR, DENVER, NC 28037-8798 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 22, 2025 | Deed of Trust, Mortgage · Non-Conforming Investor Loan PEOPLES BANK |
| Jan 11, 2019 | Deed of Trust, Mortgage · Line of Credit PEOPLES BK |
| Oct 31, 2018 | Deed of Trust, Mortgage FIRST FSB/LINCOLNTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 27, 2005 · Amount on Record |
| Deed Sale | Jun 27, 2005 · Amount on Record |
| Deed Document Number | 0001712728 |
| Deed Book / Page | 1712 / 728 |
| Record Updated | Jun 7, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 517 E MAIN ST, LINCOLNTON, NC 28092-3409 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3151 JAMES PLANTATION DR, DENVER, NC 28037-8798 |
| Document Number | 0003448777 |
|---|---|
| Date | Oct 22, 2025 |
| Book Page | 3448/777 |
| Instrument | 700966 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Non-Conforming Investor Loan |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 517 E MAIN ST, LINCOLNTON, NC 28092-3409 |
| Document Number | 2791328 |
| Instrument Date | Jan 11, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3151 JAMES PLANTATION DR DENVER NC 280378798, DENVER, NC 28037-8798 |
| Document Number | 2791328 |
|---|---|
| Date | Jan 11, 2019 |
| Book Page | 002791/000328 |
| Instrument | 587556 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 517 E MAIN ST, LINCOLNTON, NC 28092-3409 |
| Document Number | 2785685 |
| Instrument Date | Oct 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3151 PLANTATION DR DENVER NC 28037, DENVER, NC 28037 |
| Document Number | 2785685 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 002785/000685 |
| Instrument | 586400 |
| Name | FIRST FSB/LINCOLNTON |
|---|---|
| Type | Federal Savings Bank |
| Address | LINCOLNTON, NC 28092-3398 |
| Amount | Amount Recorded |
|---|---|
| Term | 60 Months |
| Due | Dec 5, 2023 |
Source: Lincoln County assessment roll, as of January 1, 2023
| 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 |
|---|---|---|---|
| 2023 | $4,715.00 | $460,030 Land $199,530 Building $260,500 | $460,030 Land $199,530 Building $260,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 237 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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