321 Riverfront Dr, Belmont, NC 28012 Property Records

Gaston County property record for 321 Riverfront Dr, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2018
Lot Size	1.47 acres (64,033 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (May 2017)
Tax Bill	$3,737 (2026)
Deeds & Mortgages	Aug 2018 Construction Loan Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15072 01000`

Property Details

APN / Parcel Number

Primary APN	`15072 01000`
Alternative APN	`190433`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,728 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Cape Cod
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	64,033 sqft (1.47 acres)
Porch	Porch
Porch Area	544 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	321 RIVERFRONT DR
City	BELMONT
State	NC
Zip	28012-7509
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LAKE WYLIE L 9 15 072 010 00 000
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1026
Census Tract	32405

Owner

321 Riverfront Dr is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	321 RIVERFRONT DR, BELMONT, NC 28012-7509
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
Aug 24, 2018	Deed of Trust, Mortgage · Construction Mortgage SOUTH STATE BANK
Dec 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 28, 2019	Loan Modification, Mortgage SOUTH ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2017 · Amount on File
Deed Sale	May 11, 2017 · Amount on File
Deed Book / Page	4910 / 2108
Prior Transfer Date	Apr 28, 2004
Prior Transfer Doc	0039910232
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	321 RIVERFRONT DR, BELMONT, NC 28012-7509
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0049960833
Date	Aug 24, 2018
Book Page	4996/0833

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	321 RIVERFRONT DR, BELMONT, NC 28012-7509
Transaction Type	Mortgage
Record Updated	Sep 6, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050882474
Date	Dec 18, 2019
Book Page	5088/2474

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

August 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GASTON NC
Property Address	321 RIVERFRONT DR, BELMONT, NC 28012-7509
Document Number	0050731277
Instrument Date	Aug 28, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 RIVERFRONT DR BELMONT NC 28012, BELMONT, NC 28012

Mortgage

Document Number	0050731277
Date	Oct 10, 2019
Book Page	005073/001277

Lender

Name	SOUTH ST BK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 321 Riverfront Dr was $3,737.

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	$3,737.00	$523,420 (-) Land $113,570 Building $409,850
2025	$3,737.00	$523,420 Land $113,570 Building $409,850
2023	$3,637.00	$523,420 Land $113,570 Building $409,850
2021			$326,540 Land $75,720 Building $250,820

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

Flood

FEMA maps place 321 Riverfront Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 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

Wildfire risk around 321 Riverfront Dr 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	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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000

May also be available: Spectrum.

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