Gaston County property record for 103 Watson St, Belmont, NC 28012
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,050 sqft · built 1998 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $290,000 (Sep 2026) |
| Tax Bill | $3,026 (2026) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Dec 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04010A08400 |
| Primary APN | 04010A08400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,050 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Porch | Porch |
| Porch Area | 126 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 103 WATSON ST |
|---|---|
| City | BELMONT |
| State | NC |
| Zip | 28012-3301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | ADAMS BLUFF L 21 04 010A 084 00 000 |
| Legal Subdivision | ADAMS BLUFF |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 3 |
| Census Block | 3007 |
| Census Tract | 32302 |
103 Watson St is owned and occupied by an individual who bought it in September 2026.
Source: Gaston County records, as of October 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage NAVY FEDERAL CREDIT UNION |
| Dec 30, 2025 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE |
| Aug 21, 2019 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 15, 2026 · Amount on File |
| Deed Sale | Sep 15, 2026 · Amount on File |
| Prior Sale | Jan 26, 2001 · Amount on File |
| Deed Document Number | 202610725 |
| Deed Book / Page | 5669 / 1916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Sep 15, 2026 |
| Property Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Document Number | 0000010725 |
| Book / Page | 5669 / 1916 |
| Instrument Date | Sep 15, 2026 |
| Instrument | 202610725 |
| Transaction Type | Transfer |
| Record Updated | Oct 8, 2026 |
| Title Company | TITLE AGENCY, ABUNDANCE TITLE AGENCY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $58,580.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Document Number | 0000010725, |
|---|---|
| Date | Sep 15, 2026 |
| Book Page | 5669/1920 |
| Instrument | 202610725 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2026 |
| Title Company | UNKNOWN, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Document Number | 0056092040 |
|---|---|
| Date | Dec 30, 2025 |
| Book Page | 5609/2040 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1050 WOODWARD AVE, DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050040291 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 5004/0291 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 103 WATSON ST, BELMONT, NC 28012-3301 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0050612176 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 5061/2176 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 21, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 103 Watson St was $3,026.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Belmont City |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,026.00 | $287,160 (-) Land $40,000 Building $247,160 | |
| 2025 | $3,026.00 | $287,160 Land $40,000 Building $247,160 | |
| 2023 | $3,058.00 | $287,160 Land $40,000 Building $247,160 | |
| 2021 | $161,960 Land $22,500 Building $139,460 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Watson St in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 1 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 risk around 103 Watson St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 BELMONT serves 17,477 people · EPA ID NC0136015 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) 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 318 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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