207 N Clay St, Lowell, NC 28098 Property Records

Gaston County property record for 207 N Clay St, Lowell, NC 28098

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,378 sqft · built 1920
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$87,000 (Jun 2006)
Tax Bill	$1,893 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05005 02300`

Property Details

APN / Parcel Number

Primary APN	`05005 02300`
Alternative APNs	`1476188` `127673`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,378 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	12,197 sqft (0.28 acres)
Porch	Porch
Porch Area	78 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	207 N CLAY ST
City	LOWELL
State	NC
Zip	28098-1310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	GEORGE POSTON BLK 2 L 20 05 005 023 00 000
Legal Subdivision	GEORGE POSTON SUBDIVISION
Legal Block	2
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1037
Census Tract	31304

Owner

207 N Clay St is owned and occupied by two individuals who bought it in June 2006.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	207 N CLAY ST, LOWELL, NC 28098-1310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 2, 2020	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Aug 30, 2018	Deed of Trust, Mortgage MR COOPER
Aug 10, 2018	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2006 · Amount on File
Deed Sale	Jun 29, 2006 · Amount on File
Prior Sale	May 7, 2003 · Amount on File
Deed Book / Page	4233 / 2239
Prior Transfer Date	May 2, 2003
Prior Transfer Doc	3708000486
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	207 N CLAY ST, LOWELL, NC 28098-1310
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 N CLAY ST, LOWELL, NC 28098-1310

Mortgage

Document Number	0056152040
Date	Jan 30, 2026
Book Page	5615/2040

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	207 N CLAY ST, LOWELL, NC 28098-1310
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051521224
Date	Sep 2, 2020
Book Page	5152/1224

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	207 N CLAY ST, LOWELL, NC 28098-1310
Document Number	0049980683
Instrument Date	Aug 30, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 N CLAY ST LOWELL NC 280981310, LOWELL, NC 28098-1310

Mortgage

Document Number	0049980683
Date	Sep 4, 2018
Book Page	004998/000683

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 3, 2048

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	207 N CLAY ST, LOWELL, NC 28098-1310
Document Number	0049940334
Instrument Date	Aug 10, 2018
Transaction Type	Mortgage
Record Updated	Sep 4, 2018
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	207 N CLAY ST LOWELL NC 280981310, LOWELL, NC 28098-1310

Mortgage

Document Number	0049940334
Date	Aug 13, 2018
Book Page	004994/000334

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 12, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 207 N Clay St was $1,893.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,893.00	$177,110 Land $17,000 Building $160,110
2023	$2,098.00	$177,110 Land $17,000 Building $160,110
2021			$90,650 Land $12,000 Building $78,650

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

Flood

FEMA maps place 207 N Clay St in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 207 N Clay St 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 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 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 LOWELL serves 3,837 people · EPA ID NC0136060
Water Source	Purchased surface water from TWO RIVERS UTILITIES
Last State Inspection	Jul 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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