413 Willow St, Gastonia, NC 28054 Property Records

Gaston County property record for 413 Willow St, Gastonia, NC 28054

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,342 sqft · built 1928
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Feb 2021)
Tax Bill	$2,676 (2026)
Deeds & Mortgages	Feb 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01054 04500`

Property Details

APN / Parcel Number

Primary APN	`01054 04500`
Alternative APN	`109208`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,342 sqft Heated Area
Interior Walls	Paneling

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	9,583 sqft (0.22 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	413 WILLOW ST
City	GASTONIA
State	NC
Zip	28054-0433
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	01 054 045 00 000
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	1
Census Block	1004
Census Tract	32703

Owner

413 Willow St is owned by two individuals who bought it in February 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	7948 LAWNDALE CIR, COLUMBIA, MD 21044-4480
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2021 · Amount on File
Deed Sale	Feb 2, 2021 · Amount on File
Prior Sale	Dec 10, 1996
Deed Book / Page	5195 / 1818
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 2, 2021
Property Address	413 WILLOW ST, GASTONIA, NC 28054-0433
Document Number	0051951818
Book / Page	5195 / 1818
Instrument Date	Jan 29, 2021
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$326.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	936 DR MARTIN LUTHER KING JR WAY, 936, GASTONIA, NC 28054-7309

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 WILLOW ST, GASTONIA, NC 28054-0433

Mortgage

Document Number	51951821
Date	Feb 2, 2021
Instrument	5195/1821

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 413 Willow St was $2,676.

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	$2,676.00	$250,420 Land $17,500 Building $232,920
2023	$2,704.00	$250,420 Land $17,500 Building $232,920
2021			$101,910 Land $8,000 Building $93,910

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

Flood

FEMA maps place 413 Willow St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2018.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2018–2024)
Most Recent Claim	Jul 2024 · 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

Wildfire risk around 413 Willow St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.9% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 286 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20