Lincoln County property record for 656 Lore Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 794 sqft · built 1949 |
| Lot Size | 0.703 acres (30,623 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Aug 2018) |
| Tax Bill | $890 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 3623-36-5093 |
| Primary APN | 3623-36-5093 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 794 sqft Living Area |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Bungalow |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Lot Area | 30,623 sqft (0.703 acres) |
| Shed | 1 Shed |
| Shed Area | 240 sqft |
| Storage Building | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 280098 |
|---|---|
| Street Address | 656 LORE RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-7818 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Description | HOMESITE RD 1220 |
| Legal Subdivision | J A LORE ESTATE SUBDIVISION |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4025 |
| Census Tract | 70800 |
Source: Lincoln County records, as of August 27, 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 | 656 LORE RD, LINCOLNTON, NC 28092-7818 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 8, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 22, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Sep 3, 2020 | Warranty Deed, Transfer · Conventional with PMI STATE EMPS CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 15, 2018 · Amount on Record |
| Deed Sale | Aug 15, 2018 · Amount on Record |
| Deed Document Number | 2018581971 |
| Deed Book / Page | 2763 / 47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 656 LORE RD, LINCOLNTON, NC 28092-7818 |
| Transaction Type | Mortgage |
| Record Updated | Feb 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 656 LORE RD, LINCOLNTON, NC 28092-7818 |
| Document Number | 0003303854 |
|---|---|
| Date | Feb 8, 2024 |
| Book Page | 3303/854 |
| Instrument | 676829 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2044 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 656 LORE RD, LINCOLNTON, NC 28092-7818 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0003138457 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 3138/457 |
| Instrument | 647817 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | LINCOLNTON, NC 28093 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Sep 3, 2020 |
| Property Address | 656 LORE RD, LINCOLNTON, NC 28092-7818 |
| Document Number | 2946906 |
| Book / Page | 002946 / 000906 |
| Instrument Date | Sep 3, 2020 |
| Instrument | 615294 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $100.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 656 LORE RD LINCOLNTON NC 280927818, LINCOLNTON, NC 28092-7818 |
| Document Number | 2946909 |
|---|---|
| Date | Sep 3, 2020 |
| Book Page | 002946/000909 |
| Instrument | 615295 |
| Name | STATE EMPS CU |
|---|---|
| Address | RALEIGH, NC 27611-5279 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Sep 2, 2035 |
Source: Lincoln County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Lincoln County |
| Unified School District | Lincoln County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $890.00 (+2.3%) | $118,271 (-) Land $28,693 Building $89,578 | $118,271 (-) Land $28,693 Building $89,578 |
| 2023 | $870.00 | $118,271 Land $28,693 Building $89,578 | $118,271 Land $28,693 Building $89,578 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 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 | Indirect within 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 31 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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