Gaston County property record for 402 Upper Spencer Mountain Rd, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,344 sqft · built 1992 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,161 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2023 Second Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 13057 00353 |
| Primary APN | 13057 00353 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,344 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 44,867 sqft (1.03 acres) |
| Porch | Porch |
| Porch Area | 224 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 402 UPPER SPENCER MOUNTAIN RD |
|---|---|
| City | STANLEY |
| State | NC |
| Zip | 28164-1155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 13 057 003 53 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | DALLAS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 33501 |
402 Upper Spencer Mountain Rd is owned and occupied by an individual who acquired it in March 2013.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| 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 4, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 10, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Dec 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 14, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Mar 25, 2013 |
| Transfer Doc | 0046650257 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 4, 2026 |
| Property Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Document Number | 5645001062 |
| Book / Page | 5645 / 1062 |
| Instrument Date | May 30, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Document Number | 5645001062, |
|---|---|
| Date | Jun 4, 2026 |
| Book Page | 5645/1062 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Transaction Type | Mortgage |
| Record Updated | Feb 17, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0053870192 |
|---|---|
| Date | Jan 10, 2023 |
| Book Page | 5387/192 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Feb 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052940872 |
|---|---|
| Date | Dec 13, 2021 |
| Book Page | 5294/872 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jan 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 402 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Document Number | 0051021201 |
| Instrument Date | Feb 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 402 UPPER SPENCER MOUNTAIN RD STANLEY NC 281641155, STANLEY, NC 28164-1155 |
| Document Number | 0051021201 |
|---|---|
| Date | Feb 20, 2020 |
| Book Page | 005102/001201 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 19, 2050 |
The 2026 property tax bill for 402 Upper Spencer Mountain Rd was $2,161.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,161.00 | $302,740 (-) Land $24,680 Building $278,060 | |
| 2025 | $2,161.00 | $302,740 Land $24,680 Building $278,060 | |
| 2023 | $2,104.00 | $302,740 Land $24,680 Building $278,060 | |
| 2021 | $176,720 Land $18,980 Building $157,740 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 402 Upper Spencer Mountain Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 1, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 402 Upper Spencer Mountain Rd 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 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
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