5981 Bill Sain Rd, Vale, NC 28168 Property Records

Lincoln County property record for 5981 Bill Sain Rd, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,230 sqft · built 2020
Lot Size	7.63 acres (332,363 sqft)
Owner	2 Individual Names on File
Last Sale	$46,000 (May 2018)
Tax Bill	$2,050 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2685-73-6396`

Property Details

APN / Parcel Number

Primary APN	`2685-73-6396`
Alternative APNs	`268500736396` `276281` `12830`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Lot Area	332,363 sqft (7.63 acres)
Storage Building	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	276281
Street Address	5981 BILL SAIN RD
City	VALE
State	NC
Zip	28168-8775
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	TRUESDALE LD RD1198
Legal Subdivision	HOWARDS CREEK
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1039
Census Tract	70600

Owner

5981 Bill Sain Rd is owned and occupied by two individuals who acquired it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	5981 BILL SAIN RD, VALE, NC 28168-8775
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
Jun 9, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage INTERCOASTAL MORTGAGE
Dec 12, 2019	Quit Claim Deed, Construction Loan · Construction Mortgage MVB MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2018 · Amount on File
Deed Sale	May 23, 2018 · Amount on File
Deed Document Number	2018578255
Deed Book / Page	2744 / 470
Last Transfer Date	Dec 11, 2019
Transfer Doc	28680465
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Jun 9, 2026
Property Address	5981 BILL SAIN RD, VALE, NC 28168-8775
Document Number	0000710734
Book / Page	3510 / 618
Instrument Date	Jun 1, 2026
Instrument	2026710734
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5981 BILL SAIN RD, VALE, NC 28168-8775

Mortgage

Document Number	0000710734,
Date	Jun 9, 2026
Book Page	3510/618
Instrument	2026710734

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 26, 2056

Interest

Rate	6.3%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	5981 BILL SAIN RD, VALE, NC 28168-8775
Transaction Type	Mortgage
Record Updated	Jul 27, 2021
Title Company	FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2946352
Date	Sep 2, 2020
Book Page	2946/352
Instrument	615190

Lender

Name	INTERCOASTAL MORTGAGE
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

December 2019: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	LINCOLN NC
Recording Date	Dec 12, 2019
Property Address	5981 BILL SAIN RD, VALE, NC 28168-8775
Document Number	2868465
Book / Page	002868 / 000465
Instrument Date	Dec 11, 2019
Instrument	601813
Transaction Type	Construction Loan
Record Updated	Dec 26, 2019
Title Company	FIRST CHOICE TITLE, FIRST CHOICE TITLE SVCS

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	371 GOLDEN POND CT LINCOLNTON NC 280927231, LINCOLNTON, NC 28092-7231

Mortgage

Document Number	2868468
Date	Dec 12, 2019
Book Page	002868/000468
Instrument	601814

Lender

Name	MVB MTG
Type	Mortgage Company
Address	FAIRFAX, VA 22030

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	24 Months
Due	Dec 11, 2021

Tax Assessment & Valuation

The 2026 property tax bill for 5981 Bill Sain Rd was $2,050.

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	$2,050.00	$306,096 (-) Land $71,758 Building $234,338	$306,096 (-) Land $71,758 Building $234,338
2025	$2,050.00	$306,096 Land $71,758 Building $234,338	$306,096 Land $71,758 Building $234,338
2023	$2,030.00	$306,096 Land $71,758 Building $234,338	$306,096 Land $71,758 Building $234,338

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

Flood

FEMA maps place 5981 Bill Sain Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

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 Claims	1 (2013)
Most Recent Claim	Jul 2013 · Severe Storms, Flooding, Landslides, Mudslides

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 5981 Bill Sain Rd is low, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T DSL · Fiber in parts of the area	25 / 5

May also be available: Spectrum, Verizon.

Nearby Properties on Bill Sain Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures