516 S Main St, Belmont, NC 28012 Property Records

Gaston County property record for 516 S Main St, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,092 sqft · built 1944
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Last Sale	$334,000 (Dec 2023)
Tax Bill	$1,722 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04008 09900`

Property Details

APN / Parcel Number

Primary APN	`04008 09900`
Alternative APN	`125764`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1944
Effective Year Built	Effective 1944
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	24,394 sqft (0.56 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	516 S MAIN ST
City	BELMONT
State	NC
Zip	28012-3814
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	W B PUETT BLK 1 L P/8-10 04 008 099 00 000
Legal Block	1
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	2
Census Block	2020
Census Tract	32404

Owner

516 S Main St is owned by two individuals who bought it in December 2023.

Source: Gaston County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	514 S MAIN ST, BELMONT, NC 28012-3814
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on File
Deed Sale	Dec 1, 2023 · Amount on File
Deed Book / Page	5448 / 1506
Prior Transfer Date	Aug 5, 2005
Prior Transfer Doc	0041490520
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Dec 1, 2023
Property Address	516 S MAIN ST, BELMONT, NC 28012-3814
Document Number	0054481506
Book / Page	5448 / 1506
Map Reference	MB 4 PG 145
Instrument Date	Dec 1, 2023
Transaction Type	Transfer
Record Updated	Jan 12, 2024

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$668.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	514 S MAIN ST, BELMONT, NC 28012-3814

Mortgage

Document Number	0054481510
Date	Dec 1, 2023
Instrument	5448/1510

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.4%
Type Change Date	Dec 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	9.4%
Index	5-Year TN
Max Rate	13.4%

Tax Assessment & Valuation

The 2026 property tax bill for 516 S Main St was $1,722.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,722.00	$163,440 (-) Land $33,000 Building $130,440
2025	$1,722.00	$163,440 Land $33,000 Building $130,440
2023	$1,740.00	$163,440 Land $33,000 Building $130,440
2021			$76,750 Land $30,000 Building $46,750

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 516 S Main 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	2 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 516 S Main St is low, with 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BELMONT serves 17,477 people · EPA ID NC0136015
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20