5020 Oconee Dr, Stanley, NC 28164 Property Records

Gaston County property record for 5020 Oconee Dr, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,995 sqft · built 2021
Lot Size	0.93 acres (40,511 sqft)
Owner	2 Individual Names on Record
Last Sale	$474,000 (Sep 2022)
Tax Bill	$2,945 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`302582`

Property Details

APN / Parcel Number

Primary APN	`302582`
Alternative APN	`1423395`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,995 sqft Heated Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Custom Design
Lot Area	40,511 sqft (0.93 acres)

Location & Zoning

Street Address	5020 OCONEE DR
City	STANLEY
State	NC
Zip	28164-1200
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SHADOW OAKS LOTS 20 PLAT BOOK 090 PAGE 102
Legal Subdivision	SHADOW OAKS SUBDIVISION
Legal Lot Number	20
Jurisdiction	GASTON NC
Township / Civil Division	DALLAS
Census Block Group	1
Census Block	1004
Census Tract	33502

Owner

Source: Gaston County records, as of August 31, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5020 OCONEE DR, STANLEY, NC 28164-1200
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Sep 8, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2022 · Amount on Record
Deed Sale	Sep 8, 2022 · Amount on Record
Deed Book / Page	5363 / 591
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jul 7, 2026
Property Address	5020 OCONEE DR, STANLEY, NC 28164-1200
Document Number	5653001496
Book / Page	5653 / 1496
Instrument Date	Jun 29, 2026
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 OCONEE DR, STANLEY, NC 28164-1200

Mortgage

Document Number	5653001496,
Date	Jul 7, 2026
Book Page	5653/1496

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 27, 2046

Interest

Rate	6.53%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Sep 8, 2022
Property Address	5020 OCONEE DR, STANLEY, NC 28164-1200
Document Number	0053630591
Book / Page	5363 / 591
Map Reference	MB 65 PG 62
Instrument Date	Aug 16, 2022
Transaction Type	Transfer
Record Updated	Sep 28, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$948.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	244 MCKEOUN RD, STANLEY, NC 28164-4136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5020 OCONEE DR, STANLEY, NC 28164-1200

Mortgage

Document Number	0005363595
Date	Sep 8, 2022
Instrument	5363/595

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2042

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,945.00 (+4.25%)	$412,550 (+1.47%) Land $25,090 Building $387,460
2023	$2,825.00	$406,560 Land $25,090 Building $381,470
2021			$17,850 Land $17,850

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 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
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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	SHADOW OAKS S/D private · serves 318 people · EPA ID NC0136358
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	3 ppb (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	2 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 82 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
AT&T Fixed Wireless · DSL	100 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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