Gaston County property record for 428 Valley St, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 1977 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual Name on File |
| Last Sale | $113,000 (Jun 2018) |
| Tax Bill | $1,888 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 133790 |
| Primary APN | 133790 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 38,333 sqft (0.88 acres) |
| Heating Fuel | Electric |
|---|
| Street Address | 428 VALLEY ST |
|---|---|
| City | STANLEY |
| State | NC |
| Zip | 28164-1554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | SUNSET PARK BLK 2 L 4 08 004 084 00 000 |
| Legal Subdivision | SUNSET PARK SUBDIVISION |
| Legal Block | 2 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 30205 |
428 Valley St is owned and occupied by an individual who bought it in June 2018.
Source: Gaston County records, as of August 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 428 VALLEY ST, STANLEY, NC 28164-1554 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 18, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 18, 2018 · Amount on File |
| Deed Sale | Jun 18, 2018 · Amount on File |
| Prior Sale | Mar 28, 2008 · Amount on File |
| Deed Book / Page | 4983 / 1372 |
| Prior Transfer Date | Oct 15, 2007 |
| Prior Transfer Doc | 0043600444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 428 VALLEY ST, STANLEY, NC 28164-1554 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051530288 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | 5153/288 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Sep 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 18, 2018 |
| Property Address | 428 VALLEY ST, STANLEY, NC 28164-1554 |
| Document Number | 0049831372 |
| Book / Page | 4983 / 1372 |
| Map Reference | MB 10 PG 62 |
| Instrument Date | Jun 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | TITLE INSURANCE COMPANY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $226.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5587 DALMATIAN ST, 5587, IRON STATION, NC 28080-6752 |
| Name | Verified Name |
|---|---|
| Address | 428 VALLEY ST, STANLEY, NC 28164-1554 |
| Investor | Possibly a Property Investor |
| Document Number | 49831374 |
|---|---|
| Date | Jun 18, 2018 |
| Instrument | 4983/1374 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 428 Valley St was $1,888.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Stanley Town |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,888.00 | $173,420 Land $18,500 Building $154,920 | |
| 2023 | $1,907.00 | $173,420 Land $18,500 Building $154,920 | |
| 2021 | $116,100 Land $14,000 Building $102,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Valley St in Zone X, an area of minimal flood risk.
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 risk around 428 Valley St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF STANLEY serves 5,750 people · EPA ID NC0136035 |
|---|---|
| Water Source | Purchased surface water from CITY OF MOUNT HOLLY |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2020–2022) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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.
Source: FCC Broadband Data Collection, based on 235 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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