1323 Cambridge St, Gastonia, NC 28054 Property Records

Gaston County property record for 1323 Cambridge St, Gastonia, NC 28054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,193 sqft · built 1965
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on File
Last Sale	$80,000 (Sep 2018)
Tax Bill	$3,194 (2026)
Deeds & Mortgages	Feb 2021 Line of Credit Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`01064A03300`

Property Details

APN / Parcel Number

Primary APN	`01064A03300`
Alternative APN	`110628`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,193 sqft Heated Area
Interior Walls	Paneling

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	41,382 sqft (0.95 acres)
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1323 CAMBRIDGE ST
City	GASTONIA
State	NC
Zip	28054-1530
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CAMBRIDGE PARK BLK 17 L 3 01 064A 033 00 000
Legal Subdivision	CAMBRIDGE PARK
Legal Block	17
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	3
Census Block	3003
Census Tract	32704

Owner

1323 Cambridge St is owned by an individual who bought it in September 2018.

Source: Gaston County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 943, LOWELL, NC 28098-0943
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Warranty Deed, Transfer · Line of Credit BELMONT SAVINGS BANK SSB
Sep 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 5, 2018 · Amount on File
Deed Sale	Sep 5, 2018 · Amount on File
Prior Sale	Sep 16, 1986
Deed Book / Page	4998 / 1379
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 26, 2021
Property Address	1323 CAMBRIDGE ST, GASTONIA, NC 28054-1530
Document Number	0052030595
Book / Page	5203 / 595
Map Reference	MB 19 PG 57
Instrument Date	Feb 22, 2021
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 943, LOWELL, NC 28098-0943

Mortgage

Document Number	0052030597
Date	Feb 26, 2021
Book Page	5203/597

Lender

Name	BELMONT SAVINGS BANK SSB
Type	Bank
Address	BELMONT, NC 28012

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Mar 24, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Sep 5, 2018
Property Address	1323 CAMBRIDGE ST, GASTONIA, NC 28054-1530
Document Number	0049981379
Book / Page	004998 / 001379
Instrument Date	Sep 5, 2018
Transaction Type	Transfer
Record Updated	Sep 25, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$160.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 943 LOWELL NC 280980943, LOWELL, NC 28098-0943

Tax Assessment & Valuation

The 2026 property tax bill for 1323 Cambridge St was $3,194.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,194.00	$298,830 Land $25,000 Building $273,830
2023	$3,227.00	$298,830 Land $25,000 Building $273,830
2021			$147,240 Land $25,000 Building $122,240

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1323 Cambridge St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	6 (1994–2024)
Most Recent Claim	Oct 2024 · Tropical Storm Helene

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

Wildfire risk around 1323 Cambridge St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.02% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 288 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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