Gaston County property record for 1040 Spring Dr, Gastonia, NC 28052
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,629 sqft · built 1978 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $257,500 (Feb 2026) |
| Tax Bill | $1,905 (2026) |
| Deeds & Mortgages | Dec 2025 Mortgage Feb 2026 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10088 01801 |
| Primary APN | 10088 01801 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 3 Stories |
| Building Area | 1,629 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Split Level |
| Exterior Material | Brick |
| Construction Type | Mixed |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 17,424 sqft (0.4 acres) |
| Porch | Porch |
| Porch Area | 20 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1040 SPRING DR |
|---|---|
| City | GASTONIA |
| State | NC |
| Zip | 28052-9213 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1T |
| Legal Description | WOODVALE ACRES BLK B L 11 10 088 018 01 000 |
| Legal Subdivision | WOODVALE ACRES |
| Legal Block | B |
| Jurisdiction | GASTON NC |
| Township / Civil Division | GASTONIA |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 31705 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Owner Type | Company |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Dec 17, 2025 | Deed of Trust, Mortgage · Commercial Mortgage CHAMPIONS FUNDING LLC |
| Feb 27, 2026 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 8, 2020 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Apr 12, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 27, 2026 · Amount on Record |
| Deed Sale | Feb 27, 2026 · Amount on Record |
| Prior Sale | Feb 3, 2025 · Amount on Record |
| Deed Book / Page | 5622 / 140 |
| Prior Transfer Date | Dec 9, 1999 |
| Prior Transfer Doc | 3025000447 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10503 OSPREY DR, CHARLOTTE, NC 28226-4601 |
| Document Number | 0056070462 |
|---|---|
| Date | Dec 17, 2025 |
| Book Page | 5607/462 |
| Name | CHAMPIONS FUNDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | 365 E GERMANN RD STE 140, GILBERT, AZ 85297 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Feb 27, 2026 |
| Property Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Document Number | 0056220140 |
| Book / Page | 5622 / 140 |
| Map Reference | MB 32 PG 2 |
| Instrument Date | Feb 27, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $515.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10503 OSPREY DR, CHARLOTTE, NC 28226-4601 |
| Name | Verified Name |
|---|---|
| Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Document Number | 0005622143 |
|---|---|
| Date | Feb 27, 2026 |
| Instrument | 5622/143 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Document Number | 0051222221 |
| Instrument Date | Apr 8, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 5, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Address | 1040 SPRING DR GASTONIA NC 280529213, GASTONIA, NC 28052-9213 |
| Document Number | 0051222221 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 005122/002221 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 17, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Apr 12, 2018 |
| Property Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Document Number | 0049710685 |
| Book / Page | 4971 / 0685 |
| Map Reference | MB 32 PG 2 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | BARRISTERS TITLE SERVICES |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3415 DOLPHIN DR SE, 3415, BOLIVIA, NC 28422-7759 |
| Name | Verified Name |
|---|---|
| Address | 1040 SPRING DR, GASTONIA, NC 28052-9213 |
| Document Number | 49710688 |
|---|---|
| Date | Apr 12, 2018 |
| Instrument | 4971/0688 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2048 |
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,905.00 (+32.11%) | $266,930 (-) Land $17,500 Building $249,430 | |
| 2025 | $1,442.00 (+2.71%) | $266,930 (+32.09%) Land $17,500 Building $249,430 | |
| 2023 | $1,404.00 | $202,080 Land $17,500 Building $184,580 | |
| 2021 | $125,480 Land $15,000 Building $110,480 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 1, 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | BERKLEY OAKS LLC private · serves 213 people · EPA ID NC0136360 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2025 |
| 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 | 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| AT&T DSL | 100 / 20 |
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