976 Pointview Ln, Lincolnton, NC 28092 Property Records

Lincoln County property record for 976 Pointview Ln, Lincolnton, NC 28092

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,420 sqft · built 1977
Lot Size	0.713 acres (31,058 sqft)
Owner	2 Individual Names on Record
Last Sale	$264,000 (May 2025)
Tax Bill	$1,531 (2026)
Deeds & Mortgages	Aug 2023 Second Mortgage May 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`3643-41-5616`

Property Details

APN / Parcel Number

Primary APN	`3643-41-5616`
Alternative APNs	`364303414542` `284301` `310099` `23688`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Masonry / Concrete Block
Lot Area	31,058 sqft (0.713 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	310099
Street Address	976 POINTVIEW LN
City	LINCOLNTON
State	NC
Zip	28092-8879
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-T
Legal Description	OUTPCL BETTY S BENNETT
Legal Subdivision	BETTY S BENNETT
Jurisdiction	LINCOLN NC
Township / Civil Division	IRONTON
Census Block Group	1
Census Block	1015
Census Tract	71001

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	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ALCOVA MORTGAGE LLC
May 2, 2025	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 15, 2023	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 14, 2021	Warranty Deed, Transfer · Conventional Mortgage PRIME MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2025 · Amount on Record
Deed Sale	May 2, 2025 · Amount on Record
Prior Sale	Nov 15, 2023 · Amount on Record
Deed Document Number	2025693799
Deed Book / Page	3405 / 110
Prior Transfer Date	Jan 30, 2012
Prior Transfer Doc	0000001018
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	LINCOLN NC
Property Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003270254
Date	Aug 16, 2023
Book Page	3270/254
Instrument	670764

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2024

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 2, 2025
Property Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879
Document Number	0003405110
Book / Page	3405 / 110
Map Reference	MB 20 PG 12
Instrument Date	May 2, 2025
Instrument	693799
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9220 WASHAM POTTS RD, CORNELIUS, NC 28031-6108

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879

Mortgage

Document Number	0000693806
Date	May 2, 2025
Instrument	693806

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2055

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	Nov 15, 2023
Property Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879
Document Number	0003289493
Book / Page	3289 / 493
Map Reference	MB 20 PG 12
Instrument Date	Nov 15, 2023
Instrument	674200
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	TITLE COMPANY/NC, TITLE COMPANY OF NC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4576 MILLER BRIDGE RD, CONNELLY SPRINGS, NC 28612-7355

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879

Mortgage

Document Number	0000674201
Date	Nov 15, 2023
Instrument	674201

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	LINCOLN NC
Recording Date	May 14, 2021
Property Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879
Document Number	3041477
Book / Page	3041 / 477
Map Reference	MB 20 PG 12
Instrument Date	May 6, 2021
Instrument	631291
Transaction Type	Transfer
Record Updated	Jun 24, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	904 POINTVIEW LN, 904, LINCOLNTON, NC 28092-8879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 POINTVIEW LN, LINCOLNTON, NC 28092-8879

Mortgage

Document Number	631293
Date	May 14, 2021
Instrument	631293

Lender

Name	PRIME MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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
Unified School District	Lincoln County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,531.00 (+1.32%)	$222,999 (-) Land $24,825 Building $198,174	$222,999 (-) Land $24,825 Building $198,174
2023	$1,511.00	$222,999 Land $24,825 Building $198,174	$222,999 Land $24,825 Building $198,174

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 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	LINCOLN COUNTY WTP serves 49,693 people · EPA ID NC0155035
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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