725 Clay St, Lincolnton, NC 28092 Property Records

Lincoln County property record for 725 Clay St, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 806 sqft · built 1930
Lot Size	0.241 acres (10,498 sqft)
Owner	2 Individual Names on Record
Last Sale	$65,000 (Feb 2026)
Tax Bill	$537 (2026)
Deeds & Mortgages	Feb 2026 Sale Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`3622-58-3146`

Property Details

APN / Parcel Number

Primary APN	`3622-58-3146`
Alternative APNs	`362207583146` `251300` `315711` `16919`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	806 sqft Living Area

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,498 sqft (0.241 acres)
Garage Type	Carport
Carport	Carport
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	315711
Street Address	725 CLAY ST
City	LINCOLNTON
State	NC
Zip	28092-7050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-8
Legal Description	#15 GLENN MILL
Legal Subdivision	GLENN MILLS INC
Jurisdiction	LINCOLN NC
Township / Civil Division	LINCOLNTON
Census Block Group	1
Census Block	1001
Census Tract	70400

Owner

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	6278 E NC 150 HWY, MAIDEN, NC 28650-9282
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2026	Warranty Deed, Transfer
Aug 10, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Nov 23, 2021 · Amount on Record
Deed Document Number	2026705986
Deed Book / Page	3480 / 916
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Feb 26, 2026
Property Address	725 CLAY ST, LINCOLNTON, NC 28092-7050
Document Number	0003480916
Book / Page	3480 / 916
Map Reference	MB A PG 172
Instrument Date	Feb 6, 2026
Instrument	705986
Transaction Type	Transfer
Record Updated	Mar 9, 2026

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	652 S GROVE STREET, MAIDEN, NC 28650

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6278 E NC 150 HWY, MAIDEN, NC 28650-9282

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	725 CLAY ST, LINCOLNTON, NC 28092-7050
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3071262
Date	Aug 10, 2021
Book Page	3071/262
Instrument	636553

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 1, 2031

Tax Assessment & Valuation

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	$537.00 (+105.75%)	$62,477 (-) Land $12,000 Building $50,477	$62,477 (-) Land $12,000 Building $50,477
2025	$261.00 (+7.85%)	$62,477 (-) Land $12,000 Building $50,477	$62,477 (-) Land $12,000 Building $50,477
2023	$242.00	$62,477 Land $12,000 Building $50,477	$62,477 Land $12,000 Building $50,477

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond ember reach

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

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 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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