301 Phillips St, Lowell, NC 28098 Property Records

Gaston County property record for 301 Phillips St, Lowell, NC 28098

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,295 sqft · built 1968
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$211,000 (Jul 2020)
Tax Bill	$3,931 (2023)
Deeds & Mortgages	Dec 2023 Mortgage Sep 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05006 03900`

Property Details

APN / Parcel Number

Primary APN	`05006 03900`
Alternative APN	`127851`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,295 sqft Heated Area
Flooring	Combination, Other

Exterior

Year Built	Built 1968
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Material	Shingle
Lot Area	21,344 sqft (0.489 acres)
Lot Dimensions	100 ft deep x 213 ft wide
Porch	Porch
Porch Area	10 sqft

Utilities, Heating & Cooling

Heating System	Gas

Location & Zoning

Old Parcel Number	05006 03900
Street Address	301 PHILLIPS ST
City	LOWELL
State	NC
Zip	28098-1826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	M PHILLIPS L 6 05 006 039 00 000
Legal Subdivision	M PHILLIPS
Legal Lot Number	6
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	2
Census Block	2002
Census Tract	31303

Owner

Source: Gaston County records, as of September 27, 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 23, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Sep 30, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jul 28, 2020	Warranty Deed, Transfer · FHA Mortgage TOWNEBANK MORTGAGE
Oct 14, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Oct 14, 2019 · Amount on Record
Deed Document Number	0005142472
Deed Book / Page	5142 / 472
Record Updated	Jun 7, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Transaction Type	Mortgage
Record Updated	Jan 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 PHILLIPS ST, LOWELL, NC 28098-1826

Mortgage

Document Number	0054490235
Date	Dec 6, 2023
Book Page	5449/235

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Transaction Type	Mortgage
Record Updated	Nov 10, 2022
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 PHILLIPS ST, LOWELL, NC 28098-1826

Mortgage

Document Number	0053662250
Date	Sep 23, 2022
Book Page	5366/2250

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	352 Months
Due	Jan 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 PHILLIPS ST, LOWELL, NC 28098-1826

Mortgage

Document Number	0052720379
Date	Sep 30, 2021
Book Page	5272/379

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Aug 1, 2050

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jul 28, 2020
Property Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Document Number	0051420472
Book / Page	5142 / 472
Map Reference	MB 11 PG 29
Instrument Date	Jul 28, 2020
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$422.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 PHILLIPS ST, 301, LOWELL, NC 28098-1826

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 PHILLIPS ST, LOWELL, NC 28098-1826

Mortgage

Document Number	5142474
Date	Jul 28, 2020
Instrument	5142/474

Lender

Name	TOWNEBANK MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

October 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	GASTON NC
Recording Date	Oct 14, 2019
Property Address	301 PHILLIPS ST, LOWELL, NC 28098-1826
Document Number	0050740441
Book / Page	005074 / 000441
Instrument Date	May 31, 2019
Transaction Type	Foreclosure
Record Updated	Oct 23, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$168.00
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Default

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 WRIGHT ST GASTONIA NC 280569397, GASTONIA, NC 28056-9397

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value
2023	$3,931.00	$331,750 Land $22,000 Building $309,750

Assessed value is set for property tax purposes and is not a market price estimate.

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	7 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 134 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

May also be available: AT&T.

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