10 Todd St, Belmont, NC 28012 Property Records

Gaston County property record for 10 Todd St, Belmont, NC 28012 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,196 sqft · built 1900
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Jul 2018)
Tax Bill	$6,222 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04006 01802`

Property Details

APN / Parcel Number

Primary APN	`04006 01802`
Alternative APN	`125395`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,196 sqft Heated Area
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,988 sqft (0.39 acres)
Porch	Porch
Porch Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	10 TODD ST
City	BELMONT
State	NC
Zip	28012-3132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAND L 3,P/4 04 006 018 02 000
Legal Subdivision	HAND
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	3
Census Block	3027
Census Tract	32301

Owner

Source: Gaston County records · APN 04006 01802

Assessment roll updated August 19, 2025 · Last verified April 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 File
Mailing Address	10 TODD ST, BELMONT, NC 28012-3132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 09, 2026	Deed of Trust, Mortgage · Line of Credit UPSTART MORTGAGE LLC
May 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK
May 22, 2019	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK
Jul 10, 2018	Warranty Deed, Transfer · ARM SOUTH STATE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 10, 2018 · Amount on Record
Deed Sale	Jul 10, 2018 · Amount on Record
Prior Sale	Apr 28, 2006 · Amount on Record
Deed Book / Page	4987 / 895
Record Updated	Jun 08, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	10 TODD ST, BELMONT, NC 28012-3132
Transaction Type	Mortgage
Record Updated	Apr 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TODD ST, BELMONT, NC 28012-3132

Mortgage

Document Number	0056171888
Date	Feb 09, 2026
Book Page	5617/1888

Lender

Name	UPSTART MORTGAGE LLC
Type	Mortgage Company
Address	2950 S DELAWARE ST STE 400, SAN MATEO, CA 94403

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 04, 2041

Interest

Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	10 TODD ST, BELMONT, NC 28012-3132
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051231516
Date	May 20, 2020
Book Page	5123/1516

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 01, 2030
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.5%
Index	1-Year LIBOR
Max Rate	8.5%

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	10 TODD ST, BELMONT, NC 28012-3132
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050430205
Date	May 22, 2019
Book Page	5043/0205

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Type Change Date	Jun 01, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.5%
Index	1-Year LIBOR
Max Rate	9.5%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jul 10, 2018
Property Address	10 TODD ST, BELMONT, NC 28012-3132
Document Number	0049870895
Book / Page	4987 / 0895
Instrument Date	Jul 09, 2018
Transaction Type	Transfer
Record Updated	Sep 06, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$546.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	54-4 CLUBHOUSE DR SW, 54-4, SUPPLY, NC 28462-6063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 TODD ST, MC FARLAN, NC 28102

Mortgage

Document Number	49870898
Date	Jul 10, 2018
Instrument	4987/0898

Lender

Name	SOUTH STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 01, 2023
Min Rate At Change	2.37%
Max Rate At Change	6.37%
Index	1-Year LIBOR
Max Rate	9.37%

Tax Assessment & Valuation

Source: Gaston County records · Assessment roll updated August 19, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,222.00 (-1.03%)	$590,330 (-) Land $100,000 Building $490,330
2023	$6,287.00	$590,330 Land $100,000 Building $490,330
2021			$326,240 Land $51,000 Building $275,240

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gaston County (37071C), updated September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370710323013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low above 4% of the US · above 2% of North Carolina
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 2026

Historic District	Within the Belmont Historic District listed 1996 · 267 contributing resources · NRIS 96001525

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 240 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum, Hotwire Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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