Lincoln County property record for 704 S Cedar St, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,684 sqft · built 1952 |
| Lot Size | 0.289 acres (12,589 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $237,000 (Apr 2023) |
| Tax Bill | $2,789 (2026) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3633-02-1562 |
| Primary APN | 3633-02-1562 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,684 sqft Living Area |
| Basement Area | 842 sqft |
| Unfinished Basement | 842 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 12,589 sqft (0.289 acres) |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 296634 |
|---|---|
| Street Address | 704 S CEDAR ST |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-3242 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-10 |
| Legal Description | 704 S CEDAR ST |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 70100 |
704 S Cedar St is owned and occupied by two individuals who bought it in April 2023.
Source: Lincoln County records, as of August 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 S CEDAR ST, LINCOLNTON, NC 28092-3242 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 28, 2023 · Amount on File |
| Deed Sale | Apr 28, 2023 · Amount on File |
| Prior Sale | Apr 23, 2010 · Amount on File |
| Deed Document Number | 2023666439 |
| Deed Book / Page | 3245 / 136 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Apr 28, 2023 |
| Property Address | 704 S CEDAR ST, LINCOLNTON, NC 28092-3242 |
| Document Number | 0003245136 |
| Book / Page | 3245 / 136 |
| Instrument Date | Apr 27, 2023 |
| Instrument | 666439 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $474.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 522 LARRAGAN DRIVE, DENVER, NC 28037 |
| Name | Verified Name |
|---|---|
| Address | 704 S CEDAR ST, LINCOLNTON, NC 28092-3242 |
| Document Number | 0000666440 |
|---|---|
| Date | Apr 28, 2023 |
| Instrument | 666440 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Number | 0003245154 |
|---|---|
| Date | Apr 28, 2023 |
| Book Page | 3245/154 |
| Instrument | 666441 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 704 S Cedar St was $2,789.
Source: Lincoln County assessment roll, as of August 27, 2026
| 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 |
|---|---|---|---|
| 2026 | $2,789.00 | $265,235 Land $25,600 Building $239,635 | $265,235 Land $25,600 Building $239,635 |
| 2023 | $2,769.00 | $265,235 Land $25,600 Building $239,635 | $265,235 Land $25,600 Building $239,635 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 S Cedar St in Zone X, an area of minimal flood risk.
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 | 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.
Wildfire risk around 704 S Cedar St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 99% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 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 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 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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