522 Saunders Rd, Gates, NC 27937 Property Records

Gates County property record for 522 Saunders Rd, Gates, NC 27937

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,089 sqft · built 2007
Lot Size	1.01 acres (43,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$102,500 (Jan 2018)
Tax Bill	$1,319 (2026)
Deeds & Mortgages	Feb 2022 Second Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-01457`

Property Details

APN / Parcel Number

Primary APN	`03-01457`
Alternative APN	`104570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,089 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	43,996 sqft (1.01 acres)
Deck Area	9 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	104570
Street Address	522 SAUNDERS RD
City	GATES
State	NC
Zip	27937-9473
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	A-1
Legal Description	LEE BOONE LOT #1
Legal Lot Number	1
Jurisdiction	GATES NC
Township / Civil Division	REYNOLDSON
Census Block Group	1
Census Block	1018
Census Tract	970300

Owner

Source: Gates County records, as of October 12, 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	522 SAUNDERS RD, GATES, NC 27937-9473
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Jan 3, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2018 · Amount on Record
Deed Sale	Jan 3, 2018 · Amount on Record
Prior Sale	Jul 9, 2007 · Amount on Record
Deed Document Number	2018313769
Deed Book / Page	339 / 250
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GATES NC
Property Address	522 SAUNDERS RD, GATES, NC 27937-9473
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 SAUNDERS RD, GATES, NC 27937-9473

Mortgage

Document Number	000369/409
Date	Feb 18, 2022
Book Page	369/409
Instrument	319511

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Feb 1, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GATES NC
Recording Date	Jan 3, 2018
Property Address	522 SAUNDERS RD, GATES, NC 27937-9473
Document Number	000339/250
Book / Page	339 / 250
Map Reference	CAB 1 SL 42
Instrument Date	Jan 2, 2018
Instrument	313769
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$205.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	522 SAUNDERS RD, 522, GATES, NC 27937-9473

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	522 SAUNDERS RD, GATES, NC 27937-9473

Mortgage

Document Number	0000313770
Date	Jan 3, 2018
Instrument	313770

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

Source: Gates County assessment roll, as of October 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,319.00 (+1.54%)	$150,630 (-) Land $43,190 Building $107,440	$150,630 (-) Land $43,190 Building $107,440
2025	$1,299.00 (+23.24%)	$150,630 (+65.46%) Land $43,190 Building $107,440	$150,630 (+65.46%) Land $43,190 Building $107,440
2023	$1,054.00	$91,036 Land $36,100 Building $54,936	$91,036 Land $36,100 Building $54,936

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 December 29, 2018 · 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
Nearby Flood Claims	1 (2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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.

Drinking Water

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

Water System	GATES COUNTY WATER SYSTEM serves 11,621 people · EPA ID NC0437020
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

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

Provider	Max Down / Up (Mbps)
Fybe Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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