6384 Gilbert Sain Rd, Vale, NC 28168 Property Records

Lincoln County property record for 6384 Gilbert Sain Rd, Vale, NC 28168

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,830 sqft · built 1967
Lot Size	2.11 acres (91,912 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Feb 2021)
Tax Bill	$2,243 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2696-15-3203`

Property Details

APN / Parcel Number

Primary APN	`2696-15-3203`
Alternative APNs	`269600153204` `283172` `13140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,830 sqft Living Area
Basement Area	1,830 sqft
Finished Basement	915 sqft
Unfinished Basement	915 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	91,912 sqft (2.11 acres)
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	261 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	283172
Street Address	6384 GILBERT SAIN RD
City	VALE
State	NC
Zip	28168-7725
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-SF
Legal Description	#1 KANIPE HOMEPLACE
Legal Subdivision	LEE KANIPE
Jurisdiction	LINCOLN NC
Township / Civil Division	HOWARDS CREEK
Census Block Group	1
Census Block	1005
Census Tract	70600

Owner

6384 Gilbert Sain Rd is owned and occupied by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	6384 GILBERT SAIN RD, VALE, NC 28168-7725
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 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 26, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Deed Document Number	2021626144
Deed Book / Page	3011 / 863
Prior Transfer Date	Feb 22, 2021
Prior Transfer Doc	3011863
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Recording Date	Jun 23, 2026
Property Address	6384 GILBERT SAIN RD, VALE, NC 28168-7725
Document Number	0000711409
Book / Page	3514 / 800
Instrument Date	Jun 16, 2026
Instrument	2026711409
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6384 GILBERT SAIN RD, VALE, NC 28168-7725

Mortgage

Document Number	0000711409,
Date	Jun 23, 2026
Book Page	3514/800
Instrument	2026711409

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 26, 2021
Property Address	6384 GILBERT SAIN RD, VALE, NC 28168-7725
Document Number	3011863
Book / Page	3011 / 863
Map Reference	MB 18 PG 157
Instrument Date	Feb 22, 2021
Instrument	626144
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6384 GILBERT SAIN RD, VALE, NC 28168-7725

Mortgage

Document Number	626145
Date	Feb 26, 2021
Instrument	626145

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 6384 Gilbert Sain Rd was $2,243.

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	$2,243.00	$337,102 (-) Land $35,326 Building $301,776	$337,102 (-) Land $35,326 Building $301,776
2025	$2,243.00	$337,102 Land $35,326 Building $301,776	$337,102 Land $35,326 Building $301,776
2023	$2,223.00	$337,102 Land $35,326 Building $301,776	$337,102 Land $35,326 Building $301,776

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

Flood

FEMA maps place 6384 Gilbert 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 6384 Gilbert Sain Rd is low, with a 0.02% annual chance of wildfire.

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	0.02% 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 Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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