Gaston County property record for 401 Hand Cir, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,174 sqft · built 1967 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,646 (2026) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05011 00100 |
| Primary APN | 05011 00100 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,174 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Pool Type | Pool Type |
|---|---|
| Pool Area | 512 sqft |
| Porch | Porch |
| Porch Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 HAND CIR |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 05 011 001 00 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 31303 |
401 Hand Cir is owned and occupied by two individuals who acquired it in September 1996.
Source: Gaston County records, as of August 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 401 HAND CIR, LOWELL, NC 28098-1913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 1996 |
| Deed Sale | Sep 18, 1996 |
| Deed Book / Page | 2590 / 87 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 401 HAND CIR, LOWELL, NC 28098-1913 |
| Document Number | 0051060930 |
| Instrument Date | Mar 2, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 401 HAND CIR LOWELL NC 280981913, LOWELL, NC 28098-1913 |
| Document Number | 0051060930 |
|---|---|
| Date | Mar 6, 2020 |
| Book Page | 005106/000930 |
| Name | PREMIER LNDG |
|---|---|
| Address | CHARLOTTE, NC 28277 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 5, 2050 |
The 2026 property tax bill for 401 Hand Cir was $2,646.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Lowell City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,646.00 | $247,550 Land $22,000 Building $225,550 | |
| 2023 | $2,876.00 | $242,780 Land $22,000 Building $220,780 | |
| 2021 | $144,150 Land $22,000 Building $122,150 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Hand Cir 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 |
| 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 risk around 401 Hand Cir is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 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 |
| 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.
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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