Gaston County property record for 501 Phillips St, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,417 sqft · built 1950 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,884 (2026) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05006 03500 |
| Primary APN | 05006 03500 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,417 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 45 sqft |
| Heating Fuel | Oil |
|---|
| Street Address | 501 PHILLIPS ST |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1830 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 05 006 035 00 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 31303 |
501 Phillips St is owned and occupied by an individual.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 501 PHILLIPS ST, LOWELL, NC 28098-1830 |
| 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 |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 501 PHILLIPS ST, LOWELL, NC 28098-1830 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 501 PHILLIPS ST, LOWELL, NC 28098-1830 |
| Document Number | 0053682130 |
|---|---|
| Date | Oct 3, 2022 |
| Book Page | 5368/2130 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Oct 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 10% |
The 2026 property tax bill for 501 Phillips St was $1,884.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Lowell City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,884.00 | $176,280 Land $17,000 Building $159,280 | |
| 2023 | $2,249.00 | $189,850 Land $17,000 Building $172,850 | |
| 2021 | $96,110 Land $12,000 Building $84,110 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 501 Phillips St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 1, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 501 Phillips St is low, with less than a 0.01% annual chance of 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 | None beyond ember reach |
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 | CITY OF LOWELL serves 3,837 people · EPA ID NC0136060 |
|---|---|
| Water Source | Purchased surface water from TWO RIVERS UTILITIES |
| Last State Inspection | Jul 2024 |
| Lead | Under 1 ppb (2023–2025) 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 134 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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