Gaston County property record for 221 Upper Spencer Mountain Rd, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,615 sqft · built 2013 |
| Lot Size | 9.02 acres (392,911 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,000 (May 2013) |
| Tax Bill | $6,049 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13073 00118 |
| Primary APN | 13073 00118 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 12 Rooms |
| Stories | 1 Story |
| Building Area | 3,615 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 392,911 sqft (9.02 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 1,314 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 221 UPPER SPENCER MOUNTAIN RD |
|---|---|
| City | STANLEY |
| State | NC |
| Zip | 28164-1132 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 13 073 001 18 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | DALLAS |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 33501 |
221 Upper Spencer Mountain Rd is owned and occupied by two individuals who bought it in May 2013.
Source: Gaston County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 221 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1132 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 17, 2026 | Deed of Trust, Mortgage · Line of Credit TRULIANT FEDERAL CREDIT UNION |
| Dec 11, 2020 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 8, 2013 · Amount on File |
| Deed Sale | May 8, 2013 · Amount on File |
| Deed Book / Page | 4673 / 800 |
| Prior Transfer Date | Sep 12, 2001 |
| Prior Transfer Doc | 3310000796 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jul 17, 2026 |
| Property Address | 221 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1132 |
| Document Number | 5656001333 |
| Book / Page | 5656 / 1333 |
| Instrument Date | Jul 8, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 221 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1132 |
| Document Number | 5656001333, |
|---|---|
| Date | Jul 17, 2026 |
| Book Page | 5656/1333 |
| Name | TRULIANT FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 12, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 221 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1132 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0051812340 |
|---|---|
| Date | Dec 11, 2020 |
| Book Page | 5181/2340 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 221 Upper Spencer Mountain Rd was $6,049.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,049.00 | $847,210 Land $81,670 Building $765,540 | |
| 2023 | $5,972.00 | $859,300 Land $81,670 Building $777,630 | |
| 2021 | $482,830 Land $62,660 Building $420,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 221 Upper Spencer Mountain Rd in Zone X, an area of minimal flood risk.
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 risk around 221 Upper Spencer Mountain Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% 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.
Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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