5209 Waterfall Ct, Gastonia, NC 28056 Property Records

Gaston County property record for 5209 Waterfall Ct, Gastonia, NC 28056

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,497 sqft · built 2001
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$378,000 (Jun 2019)
Tax Bill	$3,971 (2025)
Deeds & Mortgages	May 2021 Line of Credit Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`194044`

Property Details

APN / Parcel Number

Primary APN	`194044`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	1 Story
Building Area	3,497 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Custom Design
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Porch	Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	5209 WATERFALL CT
City	GASTONIA
State	NC
Zip	28056-8105
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1H
Legal Description	STONE RIDGE L 20 15 115 008 19 000
Legal Subdivision	STONE RIDGE SUBDIVISION
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	1
Census Block	1013
Census Tract	33306

Owner

Source: Gaston County records, as of March 30, 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	5209 WATERFALL CT, GASTONIA, NC 28056-8105
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Line of Credit TOWNEBANK
Sep 13, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 24, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Nov 26, 2003 · Amount on Record
Deed Book / Page	5049 / 1470
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	5209 WATERFALL CT, GASTONIA, NC 28056-8105
Transaction Type	Mortgage
Record Updated	Jul 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5209 WATERFALL CT, GASTONIA, NC 28056-8105

Mortgage

Document Number	0052250614
Date	May 5, 2021
Book Page	5225/614

Lender

Name	TOWNEBANK
Type	Bank
Address	CHARLOTTE, NC 28211

Agreement

Type	Line of Credit
Amount	Amount Recorded

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	5209 WATERFALL CT, GASTONIA, NC 28056-8105
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050670468
Date	Sep 13, 2019
Book Page	5067/0468

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jun 24, 2019
Property Address	5209 WATERFALL CT, GASTONIA, NC 28056-8105
Document Number	0050491470
Book / Page	5049 / 1470
Map Reference	MB 58 PG 82
Instrument Date	Jun 24, 2019
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$756.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5417 BUD WILSON RD, 5417, GASTONIA, NC 28056-8961

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1624 BUCKINGHAM AVE, GASTONIA, NC 28054-5787

Mortgage

Document Number	50491473
Date	Jun 24, 2019
Instrument	5049/1473

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Gaston County assessment roll, as of August 19, 2025

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
2025	$3,971.00 (+2.74%)	$569,310 (+2.36%) Land $34,000 Building $535,310
2023	$3,865.00	$556,200 Land $34,000 Building $522,200
2021			$383,060 Land $32,000 Building $351,060

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 Claims	1 (1996)
Most Recent Claim	Sep 1996 · tidal / storm surge

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	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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