4320 Main St, Gibson, NC 28343 Property Records

Scotland County property record for 4320 Main St, Gibson, NC 28343

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,576 sqft · built 1939
Lot Size	0.924 acres (40,230 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Aug 2022)
Tax Bill	$3,863 (2026)
Deeds & Mortgages	Aug 2022 Sale May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`040171 17002`

Property Details

APN / Parcel Number

Primary APN	`040171 17002`
Alternative APNs	`901285` `909236`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,576 sqft Heated Area
Gross Area	5,006 sqft
1st Floor Area	2,191 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1982
Exterior Material	Wood Siding
Foundation Type	Footing
Roof Type	Gable
Roof Material	Metal
Lot Area	40,230 sqft (0.924 acres)
Lot Dimensions	270 ft deep x 149 ft wide
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	942 sqft
Deck Area	488 sqft
Patio Area	488 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	909236
Street Address	4320 MAIN ST
City	GIBSON
State	NC
Zip	28343-8855
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	FROM WILLODEEN STEWART
Jurisdiction	SCOTLAND NC
Township / Civil Division	WILLIAMSON
Census Block Group	1
Census Block	1050
Census Tract	10501

Owner

Source: Scotland County records, as of September 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	4320 MAIN ST, GIBSON, NC 28343-8855
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2022	Warranty Deed, Transfer
May 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Nov 27, 2018	Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Prior Sale	Aug 2, 2013 · Amount on Record
Deed Document Number	20222341
Deed Book / Page	1761 / 822
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SCOTLAND NC
Recording Date	Aug 10, 2022
Property Address	4320 MAIN ST, GIBSON, NC 28343-8855
Document Number	001761/822
Book / Page	1761 / 822
Instrument Date	Aug 4, 2022
Instrument	2022-00002341
Transaction Type	Transfer
Record Updated	Aug 19, 2022

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1821 DRCHARO DRIVE, 1821, MYRTLE BEACH, SC 29577

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4320 MAIN ST, GIBSON, NC 28343-8855

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTLAND NC
Property Address	4320 MAIN ST, GIBSON, NC 28343-8855
Transaction Type	Mortgage
Record Updated	Jun 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1713/50
Date	May 20, 2021
Book Page	1713/50
Instrument	2021-00001440

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SCOTLAND NC
Property Address	4320 MAIN ST, GIBSON, NC 28343-8855
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1603/300
Date	Nov 27, 2018
Book Page	1603/300
Instrument	2018-00002717

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2048

Tax Assessment & Valuation

Source: Scotland County assessment roll, as of September 16, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Scotland County
Municipality	Gibson Town
Unified School District	Scotland County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,863.00 (+11.2%)	$312,970 (+57.41%) Land $12,010 Building $300,960	$312,970 (+57.41%) Land $12,010 Building $300,960
2025	$3,474.00 (+2.93%)	$198,830 (-) Land $12,010 Building $186,820	$198,830 (-)
2023		$198,830 (-) Land $12,010 Building $186,820	$198,830 (-)
2022	$3,375.00	$198,830 Land $12,010 Building $186,820	$198,830

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 December 12, 2019

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	Moderate above 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.09% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOWN OF GIBSON serves 589 people · EPA ID NC0383015
Water Source	Purchased groundwater from SCOTLAND CO WATER-SOUTH
Last State Inspection	Apr 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Sandhill Telephone Cooperative.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Main St

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