Gaston County property record for 235 Oak Dr, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,292 sqft · built 1969 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $79,380 (Dec 2017) |
| Tax Bill | $1,539 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15025A03801 |
| Primary APN | 15025A03801 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,292 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 13,504 sqft (0.31 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 235 OAK DR |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1734 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 15 025A 038 01 000 |
| Legal Subdivision | FRED E FORD PROPERTY |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 32201 |
Source: Gaston County records, as of August 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 235 OAK DR, LOWELL, NC 28098-1734 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 1, 2022 | Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU |
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 14, 2018 | Quit Claim Deed, Transfer PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2017 · Amount on Record |
| Deed Sale | Dec 19, 2017 · Amount on Record |
| Prior Sale | Feb 11, 2008 · Amount on Record |
| Deed Book / Page | 4952 / 425 |
| Last Transfer Date | Aug 9, 2018 |
| Transfer Doc | 0049940440 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 235 OAK DR, LOWELL, NC 28098-1734 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0053750933 |
|---|---|
| Date | Nov 1, 2022 |
| Book Page | 5375/933 |
| Name | ALLEGACY FCU |
|---|---|
| Type | Credit Union |
| Address | WINSTON SALEM, NC 27114 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 235 OAK DR, LOWELL, NC 28098-1734 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052700915 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 5270/915 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Aug 14, 2018 |
| Property Address | 235 OAK DR, LOWELL, NC 28098-1734 |
| Document Number | 0049940440 |
| Book / Page | 004994 / 000440 |
| Instrument Date | Aug 9, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 235 OAK DR LOWELL NC 280981734, LOWELL, NC 28098-1734 |
| Document Number | 49940442 |
|---|---|
| Date | Aug 14, 2018 |
| Book Page | 004994/000442 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 13, 2048 |
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 | $1,539.00 | $215,610 (-) Land $18,000 Building $197,610 | |
| 2025 | $1,539.00 (+2.74%) | $215,610 (-) Land $18,000 Building $197,610 | |
| 2023 | $1,498.00 | $215,610 Land $18,000 Building $197,610 | |
| 2021 | $116,120 Land $18,000 Building $98,120 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 102 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 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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