Gaston County property record for 1304 Jay Ave, Gastonia, NC 28052
| Property Type | Other Improved |
|---|---|
| Details | 1,408 sqft · built 2025 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jan 2026) |
| Tax Bill | $2,907 (2026) |
| Deeds & Mortgages | Jan 2026 Second Mortgage Jan 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 312034 |
| Primary APN | 312034 |
|---|
| Building Area | 1,408 sqft Heated Area |
|---|
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2025 |
| Lot Area | 4,792 sqft (0.11 acres) |
| Street Address | 1304 JAY AVE |
|---|---|
| City | GASTONIA |
| State | NC |
| Zip | 28052-2029 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | WALKER TOWN BLK B LOT 8 PLAT BOOK 103 PAGE 024 |
| Legal Block | B |
| Legal Lot Number | 8 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | GASTONIA |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 31500 |
1304 Jay Ave is owned and occupied by an individual who bought it in January 2026.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1304 JAY AVE, GASTONIA, NC 28052-2029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
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 |
|---|---|
| Jan 9, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Jan 9, 2026 | Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2026 · Amount on File |
| Deed Sale | Jan 9, 2026 · Amount on File |
| Prior Sale | Jun 27, 2025 · Amount on File |
| Deed Book / Page | 5612 / 47 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 1304 JAY AVE, GASTONIA, NC 28052-2029 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0056120071 |
|---|---|
| Date | Jan 9, 2026 |
| Book Page | 5612/71 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Address | 4140 E STATE ST, HERMITAGE, PA 16148 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jan 9, 2026 |
| Property Address | 1304 JAY AVE, GASTONIA, NC 28052-2029 |
| Document Number | 0056120047 |
| Book / Page | 5612 / 47 |
| Map Reference | MB 103 PG 24 |
| Instrument Date | Jan 9, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 18, 2026 |
| Title Company | MASTER TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3225 MCLEOD DR # 100, 100, LAS VEGAS, NV 89121-2257 |
| Name | Verified Name |
|---|---|
| Address | 1304 JAY AVE, GASTONIA, NC 28052-2029 |
| Document Number | 0000561249 |
|---|---|
| Date | Jan 9, 2026 |
| Instrument | 5612/49 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 1, 2033 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 10.5% |
| Index | Other |
| Margin | 3 |
| Max Rate | 10.5% |
The 2026 property tax bill for 1304 Jay Ave was $2,907, up 2,085.7% from the year before.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Gastonia City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2026 | $2,907.00 (+2,085.71%) | $271,960 (+2,075.68%) Land $12,500 Building $259,460 |
| 2025 | $133.00 | $12,500 Land $12,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1304 Jay Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2013.
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (2013–2020) |
| Most Recent Claim | Feb 2020 · Severe Storms, Tornadoes, And Flooding |
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 1304 Jay Ave 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 99.1% of the US · lower than 99.5% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% 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 | TWO RIVERS UTILITIES serves 96,714 people · EPA ID NC0136010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2026–2028) 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 354 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 |
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