Gaston County property record for 449 Upper Spencer Mountain Rd, Stanley, NC 28164
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,770 sqft · built 1984 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $63,000 (Sep 1984) |
| Tax Bill | $2,016 (2026) |
| Deeds & Mortgages | Jun 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 13057 00309 |
| Primary APN | 13057 00309 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,770 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Cape Cod |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 29,185 sqft (0.67 acres) |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 216 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 449 UPPER SPENCER MOUNTAIN RD |
|---|---|
| City | STANLEY |
| State | NC |
| Zip | 28164-1014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1H |
| Legal Description | PINE LAND ACRES BLK B L 1 13 057 003 09 000 |
| Legal Subdivision | PINE LAND ACRES |
| Legal Block | B |
| Jurisdiction | GASTON NC |
| Township / Civil Division | DALLAS |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 33501 |
449 Upper Spencer Mountain Rd is owned and occupied by two individuals who bought it in September 1984.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 449 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1014 |
| 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 | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 1984 · Amount on File |
| Deed Sale | Sep 1, 1984 · Amount on File |
| Deed Book / Page | 1494 / 321 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 449 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1014 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 449 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1014 |
| Document Number | 0054161239 |
|---|---|
| Date | Jun 14, 2023 |
| Book Page | 5416/1239 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 449 Upper Spencer Mountain Rd was $2,016.
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 | $2,016.00 | $282,360 Land $20,500 Building $261,860 | |
| 2023 | $1,962.00 | $282,360 Land $20,500 Building $261,860 | |
| 2021 | $170,890 Land $16,000 Building $154,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 449 Upper Spencer Mountain Rd 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 449 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 80% of the US · lower than 76% 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 93 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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