Gaston County property record for 426 Upper Spencer Mountain Rd, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,412 sqft · built 1996 |
| Lot Size | 0.84 acres (36,590 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Jun 2022) |
| Tax Bill | $2,277 (2026) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 13057 00359 |
| Primary APN | 13057 00359 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,412 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Custom Design |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 36,590 sqft (0.84 acres) |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 124 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 426 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 | STEVENS WOODS L 1 13 057 003 59 000 |
| Legal Subdivision | STEVENS WOODS |
| Jurisdiction | GASTON NC |
| Township / Civil Division | DALLAS |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 33501 |
426 Upper Spencer Mountain Rd is owned and occupied by an individual who bought it in June 2022.
Source: Gaston County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 426 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2022 · Amount on File |
| Deed Sale | Jun 29, 2022 · Amount on File |
| Prior Sale | Oct 13, 2013 |
| Deed Book / Page | 5347 / 2085 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 29, 2022 |
| Property Address | 426 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Document Number | 0053472085 |
| Book / Page | 5347 / 2085 |
| Map Reference | MB 52 PG 56 |
| Instrument Date | Jun 29, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 28, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 426 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1155 |
| Document Number | 0053472088 |
|---|---|
| Date | Jun 29, 2022 |
| Instrument | 5347/2088 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2026 property tax bill for 426 Upper Spencer Mountain Rd was $2,277.
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 | $2,277.00 | $318,970 Land $23,920 Building $295,050 | |
| 2023 | $2,216.00 | $318,970 Land $23,920 Building $295,050 | |
| 2021 | $174,790 Land $18,400 Building $156,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 426 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 426 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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