Lincoln County property record for 609 W Pine St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,346 sqft · built 2018 |
| Lot Size | 0.381 acres (16,596 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $185,000 (Oct 2019) |
| Tax Bill | $3,197 (2025) |
| Deeds & Mortgages | Jun 2022 Mortgage May 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3623-53-4786 |
| Primary APN | 3623-53-4786 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,346 sqft Living Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Custom Design |
| Lot Area | 16,596 sqft (0.381 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 284132 |
|---|---|
| Street Address | 609 W PINE ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-2056 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | W PINE ST |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 70100 |
Source: Lincoln County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 609 W PINE ST, LINCOLNTON, NC 28092-2056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
| May 3, 2021 | Quit Claim Deed, Transfer Quitclaim |
| Oct 11, 2019 | Warranty Deed, Transfer C&F MTG |
| Sep 20, 2018 | Trustee's Deed, Construction Loan · Line of Credit CAROLINA TR BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2019 · Amount on Record |
| Deed Sale | Oct 11, 2019 · Amount on Record |
| Prior Sale | Dec 28, 1998 · Amount on Record |
| Deed Document Number | 2019599070 |
| Deed Book / Page | 2853 / 208 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 609 W PINE ST, LINCOLNTON, NC 28092-2056 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0003172676 |
|---|---|
| Date | Jun 13, 2022 |
| Book Page | 3172/676 |
| Instrument | 653577 |
| Name | FIRST FEDERAL SAVINGS BANK OF LINCOLNTON |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28092 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | May 3, 2021 |
| Property Address | 609 W PINE ST, LINCOLNTON, NC 28092-2056 |
| Document Number | 3037964 |
| Book / Page | 3037 / 964 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 630583 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Oct 11, 2019 |
| Property Address | 609 W PINE ST, LINCOLNTON, NC 28092-2056 |
| Document Number | 2853208 |
| Book / Page | 002853 / 000208 |
| Instrument Date | Oct 11, 2019 |
| Instrument | 599070 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $370.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 609 W PINE ST LINCOLNTON NC 28092, LINCOLNTON, NC 28092 |
| Document Number | 2853211 |
|---|---|
| Date | Oct 11, 2019 |
| Book Page | 002853/000211 |
| Instrument | 599071 |
| Name | C&F MTG |
|---|---|
| Type | Mortgage Company |
| Address | MIDLOTHIAN, VA 23113 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 10, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Sep 20, 2018 |
| Property Address | 609 W PINE ST, LINCOLNTON, NC 28092-2056 |
| Book / Page | 002771 / 000134 |
| Instrument Date | Sep 9, 2018 |
| Instrument | 583498 |
| Transaction Type | Construction Loan |
| Record Updated | Oct 1, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3375 FAMILY DR LINCOLNTON NC 280925500, LINCOLNTON, NC 28092-5500 |
| Document Number | 2771134 |
|---|---|
| Date | Sep 20, 2018 |
| Book Page | 002771/000134 |
| Instrument | 583498 |
| Name | CAROLINA TR BK |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: Lincoln County assessment roll, as of August 12, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,197.00 (+0.63%) | $306,085 (-) Land $27,000 Building $279,085 | $306,085 (-) Land $27,000 Building $279,085 |
| 2023 | $3,177.00 | $306,085 Land $27,000 Building $279,085 | $306,085 Land $27,000 Building $279,085 |
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 | 3 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 | 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 283 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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