109 E Main St, Belmont, NC 28012 Property Records

Gaston County property record for 109 E Main St, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,045 sqft · built 1947
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on Record
Last Sale	$161,000 (Aug 2020)
Tax Bill	$1,713 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15019C09400`

Property Details

APN / Parcel Number

Primary APN	`15019C09400`
Alternative APN	`184373`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,045 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,988 sqft (0.39 acres)
Porch	Porch
Porch Area	147 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 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 42-44 15 019C 094 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 September 21, 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	109 E MAIN ST, BELMONT, NC 28012-2552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 28, 2020	Warranty Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2020 · Amount on Record
Deed Sale	Aug 28, 2020 · Amount on Record
Prior Sale	Jul 24, 2001 · Amount on Record
Deed Book / Page	5151 / 459
Prior Transfer Date	Jul 19, 2001
Prior Transfer Doc	3279017
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jul 31, 2026
Property Address	109 E MAIN ST, BELMONT, NC 28012-2552
Document Number	5659002227
Book / Page	5659 / 2227
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E MAIN ST, BELMONT, NC 28012-2552

Mortgage

Document Number	5659002227,
Date	Jul 31, 2026
Book Page	5659/2227

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Aug 28, 2020
Property Address	109 E MAIN ST, BELMONT, NC 28012-2552
Document Number	0051510459
Book / Page	5151 / 459
Map Reference	MB 4 PG 54
Instrument Date	Aug 28, 2020
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$322.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1315 BETHEFIELD TRACE, 1315, YORK, SC 29745

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E MAIN ST, BELMONT, NC 28012-2552

Mortgage

Document Number	5151462
Date	Aug 28, 2020
Instrument	5151/462

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$1,713.00	$170,680 (-) Land $25,000 Building $145,680
2025	$1,713.00 (-1.1%)	$170,680 (-) Land $25,000 Building $145,680
2023	$1,732.00	$170,680 Land $25,000 Building $145,680
2021			$96,300 Land $16,500 Building $79,800

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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