Gaston County property record for 304 Cherry St, Belmont, NC 28012
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 720 sqft · built 1940 |
| Lot Size | 0.16 acres (6,970 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Aug 2024) |
| Tax Bill | $1,716 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Nov 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15019A09500 |
| Primary APN | 15019A09500 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 720 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Architectural Style | Cottage |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 6,970 sqft (0.16 acres) |
| Porch | Porch |
| Porch Area | 112 sqft |
| Heating Fuel | Gas |
|---|
| Street Address | 304 CHERRY ST |
|---|---|
| City | BELMONT |
| State | NC |
| Zip | 28012-2229 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | CATAWBA HEIGHTS PARK L 259-260 15 019A 095 00 000 |
| Legal Subdivision | CATAWBA HEIGHTS |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 31204 |
304 Cherry St is owned and occupied by an individual who bought it in August 2024.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| 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 |
|---|---|
| Mar 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK NA |
| Nov 22, 2021 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 3, 2018 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK |
| Mar 5, 2020 | Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 8, 2024 · Amount on File |
| Deed Sale | Aug 8, 2024 · Amount on File |
| Prior Sale | Mar 28, 2023 · Amount on File |
| Deed Book / Page | 5497 / 337 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 28, 2023 |
| Property Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| Document Number | 0054000821 |
| Book / Page | 5400 / 821 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Feb 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Apr 27, 2023 |
| Title Company | CHICAGO TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $472.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 113 WOODSIDE DR, IRONDALE, AL 35210-2517 |
| Name | Verified Name |
|---|---|
| Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| Document Number | 0005400823 |
|---|---|
| Date | Mar 28, 2023 |
| Instrument | 5400/823 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 481 Months |
| Due | Apr 1, 2063 |
| Document Number | 0054000838 |
|---|---|
| Date | Mar 28, 2023 |
| Book Page | 5400/838 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Address | RALEIGH, NC 27611 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Nov 22, 2021 |
| Property Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| Document Number | 0052881167 |
| Book / Page | 5288 / 1167 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Nov 22, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2022 |
| Title Company | CAROLINA TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $410.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3129 VIEWMONT DR, 3129, BELMONT, NC 28012-2758 |
| Name | Verified Name |
|---|---|
| Address | 2499 WOODSIDE WAY, ATLANTA, GA 30341-5150 |
| Document Number | 0052881169 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 5288/1169 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.62% |
| Type Change Date | Dec 1, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.62% |
| Index | Other |
| Max Rate | 7.62% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049921428 |
|---|---|
| Date | Aug 3, 2018 |
| Book Page | 4992/1428 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 5, 2020 |
| Property Address | 304 CHERRY ST, BELMONT, NC 28012-2229 |
| Document Number | 0051052452 |
| Book / Page | 5105 / 2452 |
| Map Reference | MB 5 PG 11 |
| Instrument Date | Mar 4, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 51052454 |
|---|---|
| Date | Mar 5, 2020 |
| Instrument | 5105/2454 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2050 |
The 2026 property tax bill for 304 Cherry St was $1,716.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Mount Holly City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,716.00 | $170,990 (-) Land $25,000 Building $145,990 | |
| 2025 | $1,716.00 | $170,990 Land $25,000 Building $145,990 | |
| 2023 | $1,735.00 | $170,990 Land $25,000 Building $145,990 | |
| 2021 | $96,020 Land $16,500 Building $79,520 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 304 Cherry St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 304 Cherry St 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 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 MOUNT HOLLY serves 19,200 people · EPA ID NC0136020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 204 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 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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