278 Upper Stanley Rd, Stanley, NC 28164 Property Records

Gaston County property record for 278 Upper Stanley Rd, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,523 sqft · built 2021
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,813 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`305109`

Property Details

APN / Parcel Number

Primary APN	`305109`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,523 sqft Heated Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Lot Area	67,082 sqft (1.54 acres)

Location & Zoning

Street Address	278 UPPER STANLEY RD
City	STANLEY
State	NC
Zip	28164-9454
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SHADY OAKS ESTATES LOTS 8-9 PLAT BOOK 060 PAGE 102 14 018 003 12 000
Legal Subdivision	SHADY OAKS ESTATES
Legal Lot Number	8-9
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1004
Census Tract	30208

Owner

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	278 UPPER STANLEY RD, STANLEY, NC 28164-9454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Apr 16, 2021	Warranty Deed, Construction Loan · Construction Mortgage MCLEAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Sep 3, 2026
Property Address	278 UPPER STANLEY RD, STANLEY, NC 28164-9454
Document Number	5667001485
Book / Page	5667 / 1485
Instrument Date	Aug 7, 2026
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	278 UPPER STANLEY RD, STANLEY, NC 28164-9454

Mortgage

Document Number	5667001485,
Date	Sep 3, 2026
Book Page	5667/1485

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	118 Months
Due	Jul 10, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Apr 16, 2021
Property Address	278 UPPER STANLEY RD, STANLEY, NC 28164-9454
Document Number	0052191189
Book / Page	5219 / 1189
Map Reference	MB 60 PG 102
Instrument Date	Apr 16, 2021
Transaction Type	Construction Loan
Record Updated	Sep 28, 2023
Title Company	NOT AVAILABLE, TRYON TITLE RALEIGH

Transaction

Amount	Amount Recorded
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2085 HARLOCK RD, MELBOURNE, FL 32934-7663

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	8745 ASPINWALL DR, CHARLOTTE, NC 28216-8982

Mortgage

Document Number	0052191192
Date	Apr 16, 2021
Instrument	5219/1192

Lender

Name	MCLEAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 1, 2022

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	May 1, 2021
Change Frequency	Monthly
Min Rate At Change	4.25%
Max Rate At Change	16.2%
Index	Prime Rate
Margin	1
Max Rate	16.2%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,813.00 (+2.72%)	$534,110 (-) Land $52,780 Building $481,330
2023	$3,712.00	$534,110 Land $52,780 Building $481,330
2021			$43,980 Land $43,980

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020 · Severe Storms, Tornadoes, And Flooding

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 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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