213 Phillips St, Lowell, NC 28098 Property Records

Gaston County property record for 213 Phillips St, Lowell, NC 28098

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,120 sqft · built 1956
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on Record
Tax Bill	$1,616 (2026)
Deeds & Mortgages	Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`05012 07300`

Property Details

APN / Parcel Number

Primary APN	`05012 07300`
Alternative APN	`128529`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	21,344 sqft (0.49 acres)
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	213 PHILLIPS ST
City	LOWELL
State	NC
Zip	28098-1824
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	M PHILLIPS L 5 05 012 073 00 000
Legal Subdivision	M PHILLIPS SUBDIVISION
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	2
Census Block	2002
Census Tract	31303

Owner

Source: Gaston County records, as of October 20, 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	PO BOX 742, LOWELL, NC 28098-0742
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 9, 2016
Transfer Doc	0048610920
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	213 PHILLIPS ST, LOWELL, NC 28098-1824
Transaction Type	Mortgage
Record Updated	Oct 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	213 PHILLIPS ST, LOWELL, NC 28098-1824

Mortgage

Document Number	0054350809
Date	Sep 20, 2023
Book Page	5435/809

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,616.00 (+7.81%)	$188,880 (-) Land $22,000 Building $166,880
2025	$1,499.00 (-33.02%)	$188,880 (-13.41%) Land $22,000 Building $166,880
2023	$2,238.00	$218,140 Land $22,000 Building $196,140
2021			$127,600 Land $22,000 Building $105,600

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 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 94% of the US · lower than 96% 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	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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