631 Lynch Rd, Lincolnton, NC 28092 Property Records

Gaston County property record for 631 Lynch Rd, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,336 sqft · built 1986
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Aug 2022)
Tax Bill	$1,871 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`305135`

Property Details

APN / Parcel Number

Primary APN	`305135`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,736 sqft Heated Area

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Lot Area	81,022 sqft (1.86 acres)

Location & Zoning

Street Address	631 LYNCH RD
City	LINCOLNTON
State	NC
Zip	28092-6292
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SMITH LOT 1 PLAT BOOK 093 PAGE 063
Legal Subdivision	SMITH PROPERTY MINOR SUBDIVISION
Legal Lot Number	1
Jurisdiction	GASTON NC
Township / Civil Division	CHERRYVILLE
Census Block Group	2
Census Block	2001
Census Tract	30501

Owner

Source: Gaston County records, as of September 2, 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	631 LYNCH RD, LINCOLNTON, NC 28092-6292
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENDER SELECT MORTGAGE GROUP
Aug 31, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Deed Document Number	2022
Deed Book / Page	5361 / 1602
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jul 6, 2026
Property Address	631 LYNCH RD, LINCOLNTON, NC 28092-6292
Document Number	5653000793
Book / Page	5653 / 793
Instrument Date	Jun 25, 2026
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 LYNCH RD, LINCOLNTON, NC 28092-6292

Mortgage

Document Number	5653000793,
Date	Jul 6, 2026
Book Page	5653/793

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2056

Interest

Rate	6.53%
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	631 LYNCH RD, LINCOLNTON, NC 28092-6292
Transaction Type	Mortgage
Record Updated	Oct 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052431937
Date	Jul 6, 2021
Book Page	5243/1937

Lender

Name	LENDER SELECT MORTGAGE GROUP
Type	Mortgage Company
Address	GREENSBORO, NC 27409

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Aug 31, 2022
Property Address	631 LYNCH RD, LINCOLNTON, NC 28092-6292
Document Number	0053611602
Book / Page	5361 / 1602
Map Reference	MB 93 PG 63
Instrument Date	Aug 31, 2022
Transaction Type	Transfer
Record Updated	Oct 5, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	627 LYNCH RD, 627, LINCOLNTON, NC 28092-6292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	631 LYNCH RD, LINCOLNTON, NC 28092-6292

Mortgage

Document Number	0053611605
Date	Aug 31, 2022
Instrument	5361/1605

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,871.00 (+13.39%)	$262,130 (+10.4%) Land $22,600 Building $239,530
2023	$1,650.00	$237,440 Land $22,600 Building $214,840
2021			$158,450 Land $14,850 Building $143,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 1, 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

Values are read at the parcel center point; 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 63% of the US · above 51% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Nearby Properties on Lynch Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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