Gaston County property record for 295 12th St, Cramerton, NC 28032
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,012 sqft · built 2021 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,000 (Mar 2021) |
| Tax Bill | $2,755 (2026) |
| Deeds & Mortgages | Dec 2023 Line of Credit Mar 2021 Sale & Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 194957 |
| Primary APN | 194957 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Building Area | 1,012 sqft Heated Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Lot Area | 6,098 sqft (0.14 acres) |
| Street Address | 295 12TH ST |
|---|---|
| City | CRAMERTON |
| State | NC |
| Zip | 28032-1328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R3 |
| Legal Description | BURLINGTON MILLS BLK 1 LOT 5 PLAT BOOK 090 PAGE 074 |
| Legal Subdivision | BURLINGTON CRAMERTON |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 32202 |
295 12th St is owned and occupied by two individuals who bought it in March 2021.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| 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.
| Date | Document |
|---|---|
| Dec 4, 2023 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Mar 26, 2021 | Warranty Deed, Transfer · Line of Credit BELMONT SAVINGS BANK SSB |
| Oct 4, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jul 12, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2021 · Amount on File |
| Deed Sale | Mar 26, 2021 · Amount on File |
| Prior Sale | Oct 4, 2019 · Amount on File |
| Deed Book / Page | 5212 / 1181 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| Transaction Type | Mortgage |
| Record Updated | Jan 12, 2024 |
| Name | Verified Name |
|---|---|
| Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| Document Number | 0054481842 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | 5448/1842 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 26, 2021 |
| Property Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| Document Number | 0052121181 |
| Book / Page | 5212 / 1181 |
| Map Reference | MB 90 PG 74 |
| Instrument Date | Mar 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7021 WEAVERS RUN, 7021, CRAMERTON, NC 28032-1342 |
| Name | Verified Name |
|---|---|
| Address | 2000 RIVERS EDGE DR APT 105, 105, BELMONT, NC 28012-3194 |
| Document Number | 0052121184 |
|---|---|
| Date | Mar 26, 2021 |
| Instrument | 5212/1184 |
| Name | BELMONT SAVINGS BANK SSB |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 372 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Oct 4, 2019 |
| Property Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| Document Number | 0050720742 |
| Book / Page | 005072 / 000742 |
| Instrument Date | Oct 4, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 17, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $50.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 7021 WEAVERS RUN CRAMERTON NC 280321342, CRAMERTON, NC 28032-1342 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jul 12, 2019 |
| Property Address | 295 12TH ST, CRAMERTON, NC 28032-1328 |
| Document Number | 0050531403 |
| Book / Page | 005053 / 001403 |
| Instrument Date | Jul 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $13.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3809 MARWICK RD CHARLOTTE NC 282789207, CHARLOTTE, NC 28278-9207 |
The 2026 property tax bill for 295 12th St was $2,755.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Cramerton Town |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,755.00 | $267,790 Land $24,000 Building $243,790 | |
| 2023 | $2,825.00 | $267,790 Land $24,000 Building $243,790 | |
| 2021 | $8,500 Land $8,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 295 12th St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2013.
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 | 8 in force |
| Nearby Flood Claims | 4 (2013–2024) |
| Most Recent Claim | Jan 2024 · river or lake 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 risk around 295 12th St is low, with a 0.03% 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 | 0.03% 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: FCC Broadband Data Collection, based on 73 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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