401 Baker St, Gastonia, NC 28052 Property Records

Gaston County property record for 401 Baker St, Gastonia, NC 28052

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,188 sqft · built 1940
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Last Sale	$146,000 (Feb 2024)
Tax Bill	$2,512 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01016 05300`

Property Details

APN / Parcel Number

Primary APN	`01016 05300`
Alternative APNs	`3986912` `102802`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Cape Cod
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,326 sqft (0.26 acres)
Porch	Porch
Porch Area	66 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	401 BAKER ST
City	GASTONIA
State	NC
Zip	28052-1219
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	SUSIE W COBB BLK D L 1 01 016 053 00 000
Legal Subdivision	COBB SUBDIVISION
Legal Block	D
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	2
Census Block	2002
Census Tract	31800

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	Company Name on Record
Mailing Address	15801 BRIXHAM HILL AVE, CHARLOTTE, NC 28277-4795
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage OAKTREE FUNDING CORPORATION
Feb 23, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2024 · Amount on Record
Deed Sale	Feb 23, 2024 · Amount on Record
Prior Sale	Jul 7, 1998 · Amount on Record
Deed Book / Page	5462 / 1242
Prior Transfer Date	Jun 26, 1998
Prior Transfer Doc	2811000290
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Apr 24, 2026
Property Address	401 BAKER ST, GASTONIA, NC 28052-1219
Document Number	5635001037
Book / Page	5635 / 1037
Instrument Date	Apr 21, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	RES TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1741 CAVAILLON DR, WAXHAW, NC 28173-0095

Mortgage

Document Number	5635001037,
Date	Apr 24, 2026
Book Page	5635/1037

Lender

Name	OAKTREE FUNDING CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.38%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 23, 2024
Property Address	401 BAKER ST, GASTONIA, NC 28052-1219
Document Number	0054621242
Book / Page	5462 / 1242
Map Reference	MB 5 PG 66
Instrument Date	Feb 23, 2024
Transaction Type	Transfer
Record Updated	Apr 1, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$292.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 BAKER ST, GASTONIA, NC 28052-1219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BAKER ST, GASTONIA, NC 28052-1219

Mortgage

Document Number	0054621245
Date	Feb 23, 2024
Instrument	5462/1245

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,512.00 (+47.42%)	$235,010 (-) Land $14,000 Building $221,010
2025	$1,704.00 (+43.56%)	$235,010 (+113.78%) Land $14,000 Building $221,010
2023	$1,187.00	$109,930 Land $14,000 Building $95,930
2021			$60,490 Land $10,000 Building $50,490

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	TWO RIVERS UTILITIES serves 96,714 people · EPA ID NC0136010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 253 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ripple Fiber.

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