108 E Main St, Belmont, NC 28012 Property Records

Gaston County property record for 108 E Main St, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1930
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Nov 2025)
Tax Bill	$3,102 (2026)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jan 2024 Transfer
Flood Zone	Zone X (minimal risk)
APN	`15019C09000`

Property Details

APN / Parcel Number

Primary APN	`15019C09000`
Alternative APN	`184369`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,290 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	14,810 sqft (0.34 acres)

Exterior Amenities

Pool Type	Pool Type
Pool Area	512 sqft
Porch	Porch
Porch Area	450 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	108 E MAIN ST
City	BELMONT
State	NC
Zip	28012-2552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	O J SUMMEY L 17-20 15 019C 090 00 000
Legal Subdivision	O J SUMMEY DEVELOPMENT
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1029
Census Tract	31204

Owner

Source: Gaston County records, as of October 19, 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 Record
Mailing Address	108 E MAIN ST, BELMONT, NC 28012-2552
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2025	Warranty Deed, Transfer · FHA Mortgage SOFI BANK NA
Jan 12, 2024	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2025 · Amount on Record
Deed Sale	Nov 21, 2025 · Amount on Record
Prior Sale	Jan 23, 2025 · Amount on Record
Deed Book / Page	5601 / 1457
Prior Transfer Date	Aug 28, 2024
Prior Transfer Doc	0055021345
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Nov 21, 2025
Property Address	108 E MAIN ST, BELMONT, NC 28012-2552
Document Number	0056011457
Book / Page	5601 / 1457
Map Reference	MB 4 PG 54
Instrument Date	Nov 19, 2025
Transaction Type	Transfer
Record Updated	Dec 19, 2025
Title Company	SIESTA TITLE LLC, VISTA TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$638.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5312 PARK BROOK DR, CHARLOTTE, NC 28269-4598

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 E MAIN ST, BELMONT, NC 28012-2552

Mortgage

Document Number	0056011459
Date	Nov 21, 2025
Instrument	5601/1459

Lender

Name	SOFI BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GASTON NC
Recording Date	Jan 12, 2024
Property Address	108 E MAIN ST, BELMONT, NC 28012-2552
Document Number	0054550883
Book / Page	5455 / 883
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Feb 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	642 BLACKSNAKE RD, STANLEY, NC 28164-1630

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,102.00 (+76.15%)	$309,050 (+76.13%) Land $25,000 Building $284,050
2025	$1,761.00 (-1.12%)	$175,470 (-) Land $25,000 Building $150,470
2023	$1,781.00	$175,470 Land $25,000 Building $150,470
2021			$98,470 Land $16,500 Building $81,970

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
Flood Insurance Requirement	Not required lenders may require it
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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT HOLLY serves 19,200 people · EPA ID NC0136020
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 279 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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