1028 Ramsgate Dr, Gastonia, NC 28056 Property Records

Gaston County property record for 1028 Ramsgate Dr, Gastonia, NC 28056

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 4,910 sqft · built 1987
Lot Size	1.67 acres (72,745 sqft)
Owner	Individual Name on Record
Last Sale	$739,000 (May 2022)
Tax Bill	$6,448 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Dec 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`10079 19402`

Property Details

APN / Parcel Number

Primary APN	`10079 19402`
Alternative APN	`144313`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	4,953 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Contemporary
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	72,745 sqft (1.67 acres)
Porch	Porch
Porch Area	528 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1028 RAMSGATE DR
City	GASTONIA
State	NC
Zip	28056-7535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	CROSS CREEK BLK A L 10A 10 079 194 02 000
Legal Subdivision	CROSS CREEK
Legal Block	A
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	1
Census Block	1019
Census Tract	33313

Owner

Source: Gaston County records, as of August 31, 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	1028 RAMSGATE DR, GASTONIA, NC 28056-7535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST HORIZON BANK
Dec 10, 2021	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 23, 2022 · Amount on Record
Deed Sale	May 23, 2022 · Amount on Record
Prior Sale	Oct 5, 2006 · Amount on Record
Deed Book / Page	5338 / 1905
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	May 23, 2022
Property Address	1028 RAMSGATE DR, GASTONIA, NC 28056-7535
Document Number	0053381905
Book / Page	5338 / 1905
Map Reference	MB 37 PG 125
Instrument Date	May 23, 2022
Transaction Type	Transfer
Record Updated	Jun 30, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3037 SOUTHAMPTON CIR, 3037, GASTONIA, NC 28056-7531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 RAMSGATE DR, GASTONIA, NC 28056-7535

Mortgage

Document Number	0053381908
Date	May 23, 2022
Instrument	5338/1908

Lender

Name	FIRST HORIZON BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Jun 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.25%
Index	Other
Max Rate	9.25%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	1028 RAMSGATE DR, GASTONIA, NC 28056-7535
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1028 RAMSGATE DR, GASTONIA, NC 28056-7535

Mortgage

Document Number	0052932414
Date	Dec 10, 2021
Book Page	5293/2414

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$6,448.00 (+27.05%)	$903,180 (+23.67%) Land $84,830 Building $818,350
2023	$5,075.00	$730,310 Land $84,830 Building $645,480
2021			$513,130 Land $79,920 Building $433,210

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 September 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 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.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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	TWO RIVERS UTILITIES serves 96,714 people · EPA ID NC0136010
Water Source	Surface water
Last State Inspection	Apr 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon.

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