704 Spring Side Dr, Lincolnton, NC 28092 Property Records

Lincoln County property record for 704 Spring Side Dr, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,961 sqft · built 1981
Lot Size	0.874 acres (38,071 sqft)
Owner	2 Individual Names on Record
Last Sale	$355,000 (Apr 2021)
Tax Bill	$4,651 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit May 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`3632-49-3477`

Property Details

APN / Parcel Number

Primary APN	`3632-49-3477`
Alternative APNs	`363206493477` `290984` `18208`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,961 sqft Living Area
Basement Area	377 sqft
Unfinished Basement	377 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Frame
Lot Area	38,071 sqft (0.874 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	290984
Street Address	704 SPRING SIDE DR
City	LINCOLNTON
State	NC
Zip	28092-8540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-15
Legal Description	OFF RD 1297
Legal Subdivision	SAILVIEW
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1034
Census Tract	70300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Apr 8, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2021 · Amount on Record
Deed Sale	Apr 8, 2021 · Amount on Record
Deed Document Number	2021628971
Deed Book / Page	3028 / 752
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540

Mortgage

Document Number	0003184512
Date	Jul 28, 2022
Book Page	3184/512
Instrument	655637

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 27, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 19, 2022
Property Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540
Document Number	0003166380
Book / Page	3166 / 380
Map Reference	MB E PG 137
Instrument Date	May 16, 2022
Instrument	652468
Transaction Type	Transfer
Record Updated	May 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	830 OLD LINCOLNTON CROUSE RD, 830, LINCOLNTON, NC 28092-6984

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540

Mortgage

Document Number	0000652469
Date	May 19, 2022
Instrument	652469

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

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

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Apr 8, 2021
Property Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540
Document Number	3028752
Book / Page	3028 / 752
Map Reference	MB E PG 137
Instrument Date	Apr 8, 2021
Instrument	628971
Transaction Type	Transfer
Record Updated	Jul 27, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$710.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SPRING SIDE DR, LINCOLNTON, NC 28092-8540

Mortgage

Document Number	628972
Date	Apr 8, 2021
Instrument	628972

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Lincoln County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Lincoln County
Municipality	Lincolnton City
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,651.00 (+0.43%)	$451,617 (-) Land $37,000 Building $414,617	$451,617 (-) Land $37,000 Building $414,617
2023	$4,631.00	$451,617 Land $37,000 Building $414,617	$451,617 Land $37,000 Building $414,617

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 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	1 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

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	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spring Side Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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