Northampton County property record for 231 S Bay St, Gaston, NC 27832
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,032 sqft · built 1961 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $357 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-02757 |
| Primary APN | 01-02757 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| Year Built | Built 1961 |
|---|---|
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Foundation Type | Crossed Walls |
| Roof Material | Shingle |
| Lot Area | 20,909 sqft (0.48 acres) |
| Storage Building | Storage Building |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 231 S BAY ST |
|---|---|
| City | GASTON |
| State | NC |
| Zip | 27832-9732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | JOYNER & HANES P/O P |
| Legal Subdivision | JOYNER & HANES |
| Jurisdiction | NORTHAMPTON NC |
| Township / Civil Division | GASTON |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 920401 |
231 S Bay St is owned by an individual who acquired it in September 2021.
Source: Northampton County records, as of November 10, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 834, LITTLETON, NC 27850-0834 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2021 |
| Deed Sale | Sep 24, 2021 |
| Deed Document Number | 0001078710 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | NORTHAMPTON NC |
| Property Address | 231 S BAY ST, GASTON, NC 27832-9732 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2026 |
| Title Company | AMERICAS SETTLEMENT COMPANY |
| Name | Verified Name |
|---|---|
| Address | 231 S BAY ST, GASTON, NC 27832-9732 |
| Document Number | 001128/459 |
|---|---|
| Date | Feb 25, 2026 |
| Book Page | 1128/459 |
| Instrument | 2026265 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WEST PALM BEACH, FL 33401 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 231 S Bay St was $357.
Source: Northampton County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Northampton County |
| Municipality | Gaston Town |
| Unified School District | Northampton County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $357.00 | $53,086 Land $9,300 Building $43,786 | $53,086 Land $9,300 Building $43,786 |
| 2023 | $328.00 | $53,086 Land $9,300 Building $43,786 | $53,086 Land $9,300 Building $43,786 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 S Bay St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · 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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2003) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2003 · Hurricane Isabel |
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 risk around 231 S Bay 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 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROANOKE RAPIDS SANITARY DIST serves 15,768 people · EPA ID NC0442010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jan 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 152 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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