23 Oak St, Belmont, NC 28012 Property Records

Gaston County property record for 23 Oak St, Belmont, NC 28012

Property Summary

Property Type	Multi-Family Dwellings
Details	3 bd · 2 ba · 2,100 sqft · built 1946
Lot Size	0.41 acres (17,860 sqft)
Owner	Company Name on Record
Last Sale	$405,000 (Apr 2022)
Tax Bill	$4,589 (2026)
Deeds & Mortgages	Apr 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`04008 11400`

Property Details

APN / Parcel Number

Primary APN	`04008 11400`
Alternative APN	`125781`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,100 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Multi-Family
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	17,860 sqft (0.41 acres)
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	23 OAK ST
City	BELMONT
State	NC
Zip	28012-3663
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	RMF
Legal Description	PB 115 590 BLK 00 L 76-77 04 008 114 00 000
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	2
Census Block	2006
Census Tract	32404

Owner

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	Company Name on Record
Mailing Address	2923 S TRYON ST, CHARLOTTE, NC 28203-5852
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Prior Sale	Jan 4, 1988 · Amount on Record
Deed Book / Page	5326 / 1096
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Apr 6, 2022
Property Address	23 OAK ST, BELMONT, NC 28012-3663
Document Number	0053261096
Book / Page	5326 / 1096
Map Reference	MB 115 PG 590
Instrument Date	Apr 6, 2022
Transaction Type	Transfer
Record Updated	Jun 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$810.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7519 BRADLOW CT, 7519, CHARLOTTE, NC 28210-6937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2923 S TRYON ST STE 240, 240, CHARLOTTE, NC 28203-5945

Mortgage

Document Number	0053261099
Date	Apr 6, 2022
Instrument	5326/1099

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Apr 6, 2027

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,589.00 (+35.81%)	$435,420 (+37.22%) Land $33,000 Building $402,420
2023	$3,379.00	$317,320 Land $33,000 Building $284,320
2021			$175,650 Land $30,000 Building $145,650

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
Nearby Flood Policies	2 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 BELMONT serves 17,477 people · EPA ID NC0136015
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) 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 328 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