Gaston County property record for 401 Spring St, Cherryville, NC 28021
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,764 sqft · built 1964 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $106,000 (Apr 2016) |
| Tax Bill | $2,706 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 06013 04900 |
| Primary APN | 06013 04900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,764 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Porch | Porch |
| Porch Area | 176 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 401 SPRING ST |
|---|---|
| City | CHERRYVILLE |
| State | NC |
| Zip | 28021-3538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | S STROUPE L 1 06 013 049 00 000 |
| Legal Subdivision | S STROUPE |
| Jurisdiction | GASTON NC |
| Township / Civil Division | CHERRYVILLE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30700 |
401 Spring St is owned and occupied by an individual who acquired it in June 2026.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 401 SPRING ST, CHERRYVILLE, NC 28021-3538 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
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 |
|---|---|
| Jun 30, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MEMBER FIRST MORTGAGE LLC |
| Dec 15, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 22, 2016 · Amount on File |
| Deed Sale | Apr 22, 2016 · Amount on File |
| Prior Sale | Apr 25, 1997 |
| Deed Book / Page | 4840 / 1905 |
| Last Transfer Date | Jun 25, 2026 |
| Transfer Doc | 5652000529 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 30, 2026 |
| Property Address | 401 SPRING ST, CHERRYVILLE, NC 28021-3538 |
| Document Number | 5652000529 |
| Book / Page | 5652 / 529 |
| Instrument Date | Jun 25, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2026 |
| Title Company | LIBERTY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 SPRING ST, CHERRYVILLE, NC 28021-3538 |
| Document Number | 5652000534, |
|---|---|
| Date | Jun 30, 2026 |
| Book Page | 5652/534 |
| Name | MEMBER FIRST MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Dec 15, 2021 |
| Property Address | 401 SPRING ST, CHERRYVILLE, NC 28021-3538 |
| Document Number | 0052950940 |
| Book / Page | 5295 / 940 |
| Instrument Date | Dec 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2022 |
| Title Company | SOLIDIFI TITLE & CLOSING LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 401 SPRING ST, CHERRYVILLE, NC 28021-3538 |
| Document Number | 0052950942 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 5295/942 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jan 1, 2032 |
The 2026 property tax bill for 401 Spring St was $2,706.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Cherryville City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,706.00 | $250,810 (-) Land $13,000 Building $237,810 | |
| 2025 | $2,706.00 | $250,810 Land $13,000 Building $237,810 | |
| 2023 | $2,733.00 | $250,810 Land $13,000 Building $237,810 | |
| 2021 | $132,390 Land $9,000 Building $123,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 401 Spring St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2020.
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 Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
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 Spring St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 CHERRYVILLE serves 6,353 people · EPA ID NC0136030 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 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 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ripple Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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