Gaston County property record for 4016 River Falls Dr, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,128 sqft · built 2003 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Jan 2005) |
| Tax Bill | $4,055 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jan 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 127511 |
| Primary APN | 127511 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,128 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Cape Cod |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Porch | Porch |
| Porch Area | 138 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 4016 RIVER FALLS DR |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1272 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1H |
| Legal Description | RIVER FALLS BLK B L 5 05 002C 106 00 000 |
| Legal Subdivision | RIVER FALLS SUBDIVISION |
| Legal Block | B |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 31304 |
4016 River Falls Dr is owned and occupied by two individuals who bought it in January 2005.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4016 RIVER FALLS DR, LOWELL, NC 28098-1272 |
| 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.
| Date | Document |
|---|---|
| Jun 10, 2026 | Deed of Trust, Mortgage · Line of Credit SOUTHERN BANK |
| Jan 15, 2021 | Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK |
| Aug 20, 2018 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 10, 2005 · Amount on File |
| Deed Sale | Jan 10, 2005 · Amount on File |
| Deed Book / Page | 4092 / 190 |
| Prior Transfer Date | Jan 7, 2005 |
| Prior Transfer Doc | 0040971450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 10, 2026 |
| Property Address | 4016 RIVER FALLS DR, LOWELL, NC 28098-1272 |
| Document Number | 5646002168 |
| Book / Page | 5646 / 2168 |
| Instrument Date | Jun 5, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4016 RIVER FALLS DR, LOWELL, NC 28098-1272 |
| Document Number | 5646002168, |
|---|---|
| Date | Jun 10, 2026 |
| Book Page | 5646/2168 |
| Name | SOUTHERN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 26, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.72% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 4016 RIVER FALLS DR, LOWELL, NC 28098-1272 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051910401 |
|---|---|
| Date | Jan 15, 2021 |
| Book Page | 5191/401 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | GASTONIA, NC 28054 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 4016 RIVER FALLS DR, LOWELL, NC 28098-1272 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0049950702 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 4995/0702 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Sep 1, 2038 |
The 2026 property tax bill for 4016 River Falls Dr was $4,055.
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 | $4,055.00 | $379,340 (-) Land $35,000 Building $344,340 | |
| 2025 | $4,055.00 | $379,340 Land $35,000 Building $344,340 | |
| 2023 | $4,423.00 | $373,320 Land $35,000 Building $338,320 | |
| 2021 | $214,760 Land $30,000 Building $184,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4016 River Falls Dr 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 |
| 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 risk around 4016 River Falls Dr is low, with a 0.02% 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 | 0.02% 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 117 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 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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