4012 River Falls Dr, Lowell, NC 28098 Property Records

Gaston County property record for 4012 River Falls Dr, Lowell, NC 28098 · Last verified October 2023

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,326 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$345,000 (May 2021)
Tax Bill	$4,335 (2023)
Deeds & Mortgages	May 2021 Sale & Mortgage Mar 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`05002C10700`

Property Details

APN / Parcel Number

Primary APN	`05002C10700`
Alternative APN	`127512`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,326 sqft Heated Area
Flooring	Combination, Other

Exterior

Year Built	Built 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Porch	Porch
Porch Area	114 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Old Parcel Number	05002C10700
Street Address	4012 RIVER FALLS DR
City	LOWELL
State	NC
Zip	28098-1272
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER FALLS BLK B L 6 05 002C 107 00 000
Legal Subdivision	RIVER FALLS
Legal Block	B
Legal Lot Number	6
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1014
Census Tract	31304

Owner

Source: Gaston County records · APN 05002C10700

Assessment roll updated January 1, 2023 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2021	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Mar 04, 2020	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Jan 03, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 27, 2017	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 25, 2021 · Amount on Record
Deed Sale	May 25, 2021 · Amount on Record
Prior Sale	Mar 04, 2020 · Amount on Record
Deed Document Number	0052302207
Deed Book / Page	5230 / 2207
Record Updated	Jun 07, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	May 25, 2021
Property Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272
Document Number	0052302207
Book / Page	5230 / 2207
Map Reference	MB 61 PG 91
Instrument Date	May 24, 2021
Transaction Type	Transfer
Record Updated	Aug 04, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$690.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272

Mortgage

Document Number	52302209
Date	May 25, 2021
Instrument	5230/2209

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Mar 04, 2020
Property Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272
Document Number	0051051529
Book / Page	5105 / 1529
Map Reference	MB 61 PG 91
Instrument Date	Mar 01, 2020
Transaction Type	Transfer
Record Updated	Sep 06, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$512.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 POST ST FL 11, 1, SAN FRANCISCO, CA 94104-5215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272

Mortgage

Document Number	51051531
Date	Mar 04, 2020
Instrument	5105/1531

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jan 03, 2020
Property Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272
Document Number	0050921159
Book / Page	005092 / 001159
Instrument Date	Jan 02, 2020
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$486.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215
Investor	Possibly a Property Investor

April 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	GASTON NC
Property Address	4012 RIVER FALLS DR, LOWELL, NC 28098-1272
Document Number	0049091971
Instrument Date	Apr 27, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 RIVER FALLS DR LOWELL NC 280981272, LOWELL, NC 28098-1272

Mortgage

Document Number	0049091971
Date	May 05, 2017
Book Page	004909/001971

Lender

Name	BANK OF AMERICA
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 04, 2037

Interest

Rate Type	Fixed Rate
Rate	5%

Tax Assessment & Valuation

Source: Gaston County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value is set for property tax purposes and is not a market price estimate.

Year	Tax Bill	Assessed Value
2023	$4,335.00	$365,830 Land $35,000 Building $330,830

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gaston County (37071C), updated September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370710313041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	5 in force

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 117 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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