Gaston County property record for 514 Hand Cir, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft · built 1968 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Dec 2025) |
| Tax Bill | $2,049 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05012 08205 |
| Primary APN | 05012 08205 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 514 HAND CIR |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1916 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 05 012 082 05 000 |
| Legal Subdivision | PEDRO DIAZ SURV |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 31303 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 514 HAND CIR, LOWELL, NC 28098-1916 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Dec 29, 2025 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 24, 2017 | Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on Record |
| Deed Sale | Dec 29, 2025 · Amount on Record |
| Prior Sale | Mar 13, 2009 · Amount on Record |
| Deed Book / Page | 5609 / 1163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Dec 29, 2025 |
| Property Address | 514 HAND CIR, LOWELL, NC 28098-1916 |
| Document Number | 0056091163 |
| Book / Page | 5609 / 1163 |
| Instrument Date | Dec 23, 2025 |
| Transaction Type | Transfer |
| Record Updated | Jan 23, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $460.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1070 PINECREST DR, SOUTHPORT, NC 28461-9642 |
| Name | Verified Name |
|---|---|
| Address | 514 HAND CIR, LOWELL, NC 28098-1916 |
| Document Number | 0056091165 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 5609/1165 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 514 HAND CIR, LOWELL, NC 28098-1916 |
| Document Number | 0049440747 |
| Book / Page | 004944 / 000747 |
| Instrument Date | Oct 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 30, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 514 HAND CIR LOWELL NC 280981916, LOWELL, NC 28098-1916 |
| Document Number | 0049440747 |
|---|---|
| Date | Nov 6, 2017 |
| Book Page | 004944/000747 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 5, 2047 |
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 | $2,049.00 | $191,710 (-) Land $22,000 Building $169,710 | |
| 2025 | $2,049.00 (-9.78%) | $191,710 (-) Land $22,000 Building $169,710 | |
| 2023 | $2,271.00 | $191,710 Land $22,000 Building $169,710 | |
| 2021 | $110,440 Land $22,000 Building $88,440 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 7 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98.5% 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 123 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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