409 Thomas Trl, Gastonia, NC 28054 Property Records

Gaston County property record for 409 Thomas Trl, Gastonia, NC 28054

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,678 sqft · built 1956
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$360,000 (Oct 2021)
Tax Bill	$5,173 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Feb 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01120 04000`

Property Details

APN / Parcel Number

Primary APN	`01120 04000`
Alternative APN	`117650`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	3,678 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,682 sqft (0.36 acres)
Porch	Porch
Porch Area	540 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 THOMAS TRL
City	GASTONIA
State	NC
Zip	28054-4959
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THOMAS ACRES BLK D L 3 01 120 040 00 000
Legal Subdivision	THOMAS ACRES SUBDIVISION
Legal Block	D
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	1
Census Block	1000
Census Tract	32600

Owner

409 Thomas Trl is owned and occupied by two individuals who bought it in October 2021.

Source: Gaston County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 THOMAS TRL, GASTONIA, NC 28054-4959
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Feb 8, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 22, 2021	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on File
Deed Sale	Oct 22, 2021 · Amount on File
Prior Sale	Sep 27, 2016 · Amount on File
Deed Book / Page	5278 / 1711
Prior Transfer Date	May 1, 2013
Prior Transfer Doc	0047281885
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	409 THOMAS TRL, GASTONIA, NC 28054-4959
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	UNKNOWN, MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 THOMAS TRL, GASTONIA, NC 28054-4959

Mortgage

Document Number	0055892324
Date	Oct 3, 2025
Book Page	5589/2324

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	313 Months
Due	Nov 1, 2051

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	409 THOMAS TRL, GASTONIA, NC 28054-4959
Transaction Type	Mortgage
Record Updated	Mar 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054591845
Date	Feb 8, 2024
Book Page	5459/1845

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Oct 22, 2021
Property Address	409 THOMAS TRL, GASTONIA, NC 28054-4959
Document Number	0052781711
Book / Page	5278 / 1711
Map Reference	MB 12 PG 44
Instrument Date	Oct 22, 2021
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 THOMAS TRL, GASTONIA, NC 28054-4959

Mortgage

Document Number	0052781713
Date	Oct 22, 2021
Instrument	5278/1713

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 409 Thomas Trl was $5,173.

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,173.00	$483,910 (-) Land $25,000 Building $458,910
2025	$5,173.00	$483,910 Land $25,000 Building $458,910
2023	$5,226.00	$483,910 Land $25,000 Building $458,910
2021			$239,760 Land $24,000 Building $215,760

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Thomas Trl 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 · OpenFEMA NFIP redacted claims and policies, as of September 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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 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

Wildfire risk around 409 Thomas Trl 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 93% of the US · lower than 95% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWO RIVERS UTILITIES serves 96,714 people · EPA ID NC0136010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 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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