102 Winding Trl, Stanley, NC 28164 Property Records

Gaston County property record for 102 Winding Trl, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,595 sqft · built 2023
Lot Size	3.92 acres (170,755 sqft)
Owner	2 Individual Names on File
Last Sale	$128,000 (Oct 2021)
Tax Bill	$9,140 (2026)
Deeds & Mortgages	Sep 2022 Construction Loan Oct 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14031 03200`

Property Details

APN / Parcel Number

Primary APN	`14031 03200`
Alternative APN	`174168`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,595 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Custom Design
Exterior Material	Metal
Roof Type	Flat
Roof Material	Galvanized Metal
Lot Area	170,755 sqft (3.92 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	102 WINDING TRL
City	STANLEY
State	NC
Zip	28164-9533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SW
Legal Description	OAKRIDGE ACRES L 87 14 031 032 00 000
Legal Subdivision	OAKRIDGE ACRES
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1004
Census Tract	30208

Owner

102 Winding Trl is owned by two individuals who bought it in October 2021.

Source: Gaston County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4526 ISLAND WATERS DR, DENVER, NC 28037-8078
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 5, 2021	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2021 · Amount on File
Deed Sale	Oct 5, 2021 · Amount on File
Prior Sale	Nov 13, 2007 · Amount on File
Deed Book / Page	5273 / 465
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	102 WINDING TRL, STANLEY, NC 28164-9533
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053681391
Date	Sep 30, 2022
Book Page	5368/1391

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.22%
Type Change Date	Oct 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.22%
Index	Other
Margin	3
Max Rate	9.22%

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Oct 5, 2021
Property Address	102 WINDING TRL, STANLEY, NC 28164-9533
Document Number	0052730465
Book / Page	5273 / 465
Map Reference	MB 38 PG 105
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Nov 24, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 969, ROSMAN, NC 28772-0969

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5273468
Date	Oct 5, 2021
Instrument	5273/468

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 102 Winding Trl was $9,140.

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$9,140.00	$1,280,120 Land $36,700 Building $1,243,420
2023	$255.00	$36,700 Land $36,700
2021			$34,520 Land $28,320 Building $6,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 102 Winding Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective September 1, 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Tornadoes, And Flooding

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

Wildfire risk around 102 Winding Trl is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Winding Trl

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