509 Birch St, Lowell, NC 28098 Property Records

Gaston County property record for 509 Birch St, Lowell, NC 28098

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,466 sqft · built 1991
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2024)
Tax Bill	$2,538 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05001 03000`

Property Details

APN / Parcel Number

Primary APN	`05001 03000`
Alternative APN	`127211`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,466 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	15,682 sqft (0.36 acres)
Porch	Porch
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	509 BIRCH ST
City	LOWELL
State	NC
Zip	28098-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	UNITED SPINNERS CORP BLK 6 L 79,P/81 05 001 030 00 000
Legal Block	6
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1015
Census Tract	31304

Owner

509 Birch St is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	509 BIRCH ST, LOWELL, NC 28098-1309
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Jul 12, 2019	Warranty Deed, Transfer US MTG/NC
Apr 22, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2024 · Amount on File
Deed Sale	Sep 18, 2024 · Amount on File
Prior Sale	Jul 12, 2019 · Amount on File
Deed Book / Page	5505 / 2344
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	509 BIRCH ST, LOWELL, NC 28098-1309
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051420066
Date	Jul 28, 2020
Book Page	5142/66

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Aug 1, 2035

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jul 12, 2019
Property Address	509 BIRCH ST, LOWELL, NC 28098-1309
Document Number	0050530892
Book / Page	005053 / 000892
Instrument Date	Jun 27, 2019
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$291.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	509 BIRCH ST LOWELL NC 280981309, LOWELL, NC 28098-1309

Mortgage

Document Number	50530896
Date	Jul 12, 2019
Book Page	005053/000896

Lender

Name	US MTG/NC
Address	BOCA RATON, FL 33431

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 11, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Apr 22, 2019
Property Address	509 BIRCH ST, LOWELL, NC 28098-1309
Document Number	0050370325
Book / Page	005037 / 000325
Instrument Date	Apr 22, 2019
Transaction Type	Transfer
Record Updated	May 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$261.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 509 Birch St was $2,538.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,538.00	$237,510 Land $17,000 Building $220,510
2023	$2,866.00	$241,920 Land $17,000 Building $224,920
2021			$105,320 Land $12,000 Building $93,320

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 509 Birch 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
Nearby Flood Policies	5 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

Wildfire risk around 509 Birch St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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