2437 Emily Dr, Belmont, NC 28012 Property Records

Gaston County property record for 2437 Emily Dr, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,906 sqft · built 1995
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$243,000 (Feb 2015)
Tax Bill	$3,880 (2026)
Deeds & Mortgages	Jan 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15054 01114`

Property Details

APN / Parcel Number

Primary APN	`15054 01114`
Alternative APNs	`1663192` `188115`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,906 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	19,602 sqft (0.45 acres)
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2437 EMILY DR
City	BELMONT
State	NC
Zip	28012-6502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1H
Legal Description	SHANNON POINTE L 14 15 054 011 14 000
Legal Subdivision	SHANNON POINTE SUBDIVISION
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1006
Census Tract	32403

Owner

2437 Emily Dr is owned and occupied by an individual who bought it in February 2015.

Source: Gaston County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	2437 EMILY DR, BELMONT, NC 28012-6502
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage STEARNS LENDING LLC
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage BELMONT SVGS BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2015 · Amount on File
Deed Sale	Feb 24, 2015 · Amount on File
Prior Sale	Aug 6, 2008 · Amount on File
Deed Book / Page	4770 / 555
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	2437 EMILY DR, BELMONT, NC 28012-6502
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2437 EMILY DR, BELMONT, NC 28012-6502

Mortgage

Document Number	0053031837
Date	Jan 19, 2022
Book Page	5303/1837

Lender

Name	TRUIST BANK
Type	Bank
Address	BELMONT, NC 28012

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	2437 EMILY DR, BELMONT, NC 28012-6502
Transaction Type	Mortgage
Record Updated	Nov 10, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051850133
Date	Dec 22, 2020
Book Page	5185/133

Lender

Name	STEARNS LENDING LLC
Type	Mortgage Company
Address	LEWISVILLE, TX 75057

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	2437 EMILY DR, BELMONT, NC 28012-6502
Document Number	0051850110
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 HARDIN RD DALLAS NC 280347512, DALLAS, NC 28034-7512

Mortgage

Document Number	0051850110
Date	Dec 22, 2020
Book Page	005185/000110

Lender

Name	BELMONT SVGS BK
Type	Federal Savings Bank
Address	BELMONT, NC 28012

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 21, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 2437 Emily Dr was $3,880.

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	$3,880.00	$368,210 Land $40,000 Building $328,210
2023	$3,921.00	$368,210 Land $40,000 Building $328,210
2021			$255,010 Land $36,000 Building $219,010

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2437 Emily Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Flood Insurance Cost	Premium on File median of 10 policies
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Aug 2024 · rainfall accumulation

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

Wildfire risk around 2437 Emily Dr 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.

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 177 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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