424 E 12th Ave, Gastonia, NC 28054 Property Records

Gaston County property record for 424 E 12th Ave, Gastonia, NC 28054

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 952 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,327 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01079 01902`

Property Details

APN / Parcel Number

Primary APN	`01079 01902`
Alternative APNs	`1666289` `112594`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	952 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Stucco
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	11,326 sqft (0.26 acres)
Porch	Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	424 E 12TH AVE
City	GASTONIA
State	NC
Zip	28054-5448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	STEVENS CIRCLE L 9 01 079 019 02 000
Legal Subdivision	STEVENS CIRCLE
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	3
Census Block	3008
Census Tract	32801

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	424 E 12TH AVE, GASTONIA, NC 28054-5448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Dec 16, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Apr 29, 2026
Property Address	424 E 12TH AVE, GASTONIA, NC 28054-5448
Document Number	5636001916
Book / Page	5636 / 1916
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 E 12TH AVE, GASTONIA, NC 28054-5448
Investor	Possibly a Property Investor

Mortgage

Document Number	5636001916,
Date	Apr 29, 2026
Book Page	5636/1916

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	424 E 12TH AVE, GASTONIA, NC 28054-5448
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	TITLE CLEARING AND ESCROW, TITLE CLEARING & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052951887
Date	Dec 16, 2021
Book Page	5295/1887

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

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	$1,327.00 (+0.23%)	$124,200 (+1.3%) Land $15,000 Building $109,200
2023	$1,324.00	$122,610 Land $15,000 Building $107,610
2021			$64,070 Land $10,000 Building $54,070

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 99% of North Carolina
Wildfire Likelihood	Under 0.01% 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 136 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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