109 Split Oak Trl, Gastonia, NC 28052 Property Records

Gaston County property record for 109 Split Oak Trl, Gastonia, NC 28052

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1998
Lot Size	0.65 acres (28,314 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jun 2021)
Tax Bill	$1,892 (2023)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`10084 00234`

Property Details

APN / Parcel Number

Primary APN	`10084 00234`
Alternative APN	`145460`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,268 sqft Heated Area
Flooring	Softwood

Exterior

Year Built	Built 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Shingle
Lot Area	28,314 sqft (0.65 acres)
Porch	Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Old Parcel Number	10084 00234
Street Address	109 SPLIT OAK TRL
City	GASTONIA
State	NC
Zip	28052-9169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	HICKORY CREEK L 132 10 084 002 34 000
Legal Subdivision	HICKORY CREEK
Legal Lot Number	132
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	2
Census Block	2000
Census Tract	31704

Owner

Source: Gaston County records, as of September 27, 2023

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 SPLIT OAK TRL, GASTONIA, NC 28052-9169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 10, 2019	Warranty Deed, Transfer QUICKEN LNS
May 7, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	0052421344
Deed Book / Page	5242 / 1344
Record Updated	Jun 7, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jun 30, 2021
Property Address	109 SPLIT OAK TRL, GASTONIA, NC 28052-9169
Document Number	0052421344
Book / Page	5242 / 1344
Map Reference	MB 49 PG 18
Instrument Date	Jun 30, 2021
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	NOT AVAILABLE, NC PANTHER TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11151 LOWER ROCKY RIVER RD, 11151, CONCORD, NC 28025-6904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SPLIT OAK TRL, GASTONIA, NC 28052-9169

Mortgage

Document Number	52421346
Date	Jun 30, 2021
Instrument	5242/1346

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jun 10, 2019
Property Address	109 SPLIT OAK TRL, GASTONIA, NC 28052-9169
Document Number	0050461431
Book / Page	005046 / 001431
Instrument Date	Jun 7, 2019
Transaction Type	Transfer
Record Updated	Jun 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 SPLIT OAK TRL GASTONIA NC 280529169, GASTONIA, NC 28052-9169

Mortgage

Document Number	50461433
Date	Jun 10, 2019
Book Page	005046/001433

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	109 SPLIT OAK TRL, GASTONIA, NC 28052-9169
Document Number	0049780583
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 14, 2018
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 SPLIT OAK TRL GASTONIA NC 280529169, GASTONIA, NC 28052-9169

Mortgage

Document Number	0049780583
Date	May 18, 2018
Book Page	004978/000583

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of January 1, 2023

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
2023	$1,892.00	$272,360 Land $22,000 Building $250,360

Assessed value is set for property tax purposes and is not a market price estimate.

Flood

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.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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	HICKORY CREEK/ STARRLAND W/S private · serves 528 people · EPA ID NC0136386
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) 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 183 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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