Lincoln County property record for 974 McRee Rd, Lincolnton, NC 28092
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,782 sqft · built 1977 |
| Lot Size | 0.391 acres (17,032 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $205,000 (Oct 2025) |
| Tax Bill | $1,713 (2026) |
| Deeds & Mortgages | Oct 2025 Sale & Mortgage Nov 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 3624-75-2493 |
| Primary APN | 3624-75-2493 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,782 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 17,032 sqft (0.391 acres) |
| Pool Area | 512 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 312983 |
|---|---|
| Street Address | 974 MCREE RD |
| City | LINCOLNTON |
| State | NC |
| Zip | 28092-9694 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-25 |
| Legal Description | HOMESITE SHADY LANE |
| Jurisdiction | LINCOLN NC |
| Township / Civil Division | LINCOLNTON |
| Census Block Group | 4 |
| Census Block | 4022 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 986 MCREE RD, LINCOLNTON, NC 28092-9694 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 7, 2025 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 25, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AGCY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 7, 2025 · Amount on Record |
| Deed Sale | Oct 7, 2025 · Amount on Record |
| Prior Sale | Feb 17, 2005 · Amount on Record |
| Deed Document Number | 2025700371 |
| Deed Book / Page | 3445 / 348 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | LINCOLN NC |
| Recording Date | Oct 7, 2025 |
| Property Address | 974 MCREE RD, LINCOLNTON, NC 28092-9694 |
| Document Number | 0003445348 |
| Book / Page | 3445 / 348 |
| Instrument Date | Oct 7, 2025 |
| Instrument | 700371 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 986 MCREE RD, LINCOLNTON, NC 28092-9694 |
| Name | Verified Name |
|---|---|
| Address | 974 MCREE RD, LINCOLNTON, NC 28092-9694 |
| Document Number | 0000700372 |
|---|---|
| Date | Oct 7, 2025 |
| Instrument | 700372 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.02% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.02% |
| Max Rate At Change | 8.02% |
| Index | 5-Year TN |
| Max Rate | 12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | LINCOLN NC |
| Property Address | 974 MCREE RD, LINCOLNTON, NC 28092-9694 |
| Document Number | 286444 |
| Instrument Date | Nov 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 6, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 974 MCREE RD LINCOLNTON NC 280929694, LINCOLNTON, NC 28092-9694 |
| Document Number | 286444 |
|---|---|
| Date | Nov 25, 2019 |
| Book Page | 002864/000044 |
| Instrument | 601002 |
| Name | HOUSING FIN AGCY |
|---|---|
| Address | PO BOX 28066, RALEIGH, NC 27611-8066 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $1,713.00 (+0.76%) | $258,345 (-) Land $28,000 Building $230,345 | $258,345 (-) Land $28,000 Building $230,345 |
| 2025 | $1,700.00 (+107.32%) | $258,345 (-) Land $28,000 Building $230,345 | $258,345 (-) Land $28,000 Building $230,345 |
| 2023 | $820.00 | $258,345 Land $28,000 Building $230,345 | $258,345 Land $28,000 Building $230,345 |
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 |
|---|---|
| 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 | 0.03% 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 78 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 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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