6348 Bill Sain Rd, Vale, NC 28168 Property Records

Lincoln County property record for 6348 Bill Sain Rd, Vale, NC 28168

Property Summary

Property Type	Manufactured or Modular Home
Details	4 bd · 2 ba · 1,620 sqft · built 2018
Lot Size	1.05 acres (45,782 sqft)
Owner	2 Individual Names on File
Last Sale	$186,000 (Oct 2018)
Tax Bill	$1,887 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2685-45-6406`

Property Details

APN / Parcel Number

Primary APN	`2685-45-6406`
Alternative APNs	`268500550548` `269988` `12979`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Modular
Lot Area	45,782 sqft (1.05 acres)
Storage Building	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	269988
Street Address	6348 BILL SAIN RD
City	VALE
State	NC
Zip	28168-6701
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	R-S
Legal Description	#1 LT CAT'S CORNER
Legal Subdivision	MINOR
Legal Lot Number	1
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1029
Census Tract	70600

Owner

6348 Bill Sain Rd, a residential property, is owned and occupied by two individuals who bought it in October 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	6348 BILL SAIN RD, VALE, NC 28168-6701
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
Mar 20, 2026	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Nov 19, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Aug 2, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Oct 24, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage HOMESTAR FIN'L
Nov 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2018 · Amount on File
Deed Sale	Oct 24, 2018 · Amount on File
Prior Sale	Nov 15, 2017 · Amount on File
Deed Document Number	2018584774
Deed Book / Page	2777 / 799
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	6348 BILL SAIN RD, VALE, NC 28168-6701
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6348 BILL SAIN RD, VALE, NC 28168-6701

Mortgage

Document Number	0000348764
Date	Mar 20, 2026
Book Page	3487/64
Instrument	706955

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	6348 BILL SAIN RD, VALE, NC 28168-6701
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMERICAN HOME TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002976446
Date	Nov 19, 2020
Book Page	2976/446
Instrument	620257

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	6348 BILL SAIN RD, VALE, NC 28168-6701
Document Number	2836527
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6348 BILL SAIN RD VALE NC 281686701, VALE, NC 28168-6701

Mortgage

Document Number	2836527
Date	Aug 7, 2019
Book Page	002836/000527
Instrument	596084

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2049

October 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Oct 24, 2018
Property Address	6348 BILL SAIN RD, VALE, NC 28168-6701
Document Number	2777799
Book / Page	002777 / 000799
Instrument Date	Oct 22, 2018
Instrument	584774
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 5, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6348 BILL SAIN RD VALE NC 28168, VALE, NC 28168

Mortgage

Document Number	2777802
Date	Oct 24, 2018
Book Page	002777/000802
Instrument	584775

Lender

Name	HOMESTAR FIN'L
Type	Funding / Finance Company
Address	GAINESVILLE, GA 30501

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2048

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 15, 2017
Property Address	6348 BILL SAIN RD, VALE, NC 28168-6701
Document Number	2706264
Book / Page	002706 / 000264
Instrument Date	Nov 15, 2017
Instrument	570702
Transaction Type	Transfer
Record Updated	Dec 1, 2017

Transaction

Amount	Amount on Record
Tax	$160.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1459 N ASPEN ST LINCOLNTON NC 280927267, LINCOLNTON, NC 28092-7267
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 6348 Bill Sain Rd was $1,887.

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	$1,887.00	$279,974 (-) Land $32,336 Building $247,638	$279,974 (-) Land $32,336 Building $247,638
2025	$1,887.00	$279,974 Land $32,336 Building $247,638	$279,974 Land $32,336 Building $247,638
2023	$1,867.00	$279,974 Land $32,336 Building $247,638	$279,974 Land $32,336 Building $247,638

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

Flood

FEMA maps place 6348 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 6348 Bill Sain Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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