603 Upper Spencer Mountain Rd, Stanley, NC 28164 Property Records

Gaston County property record for 603 Upper Spencer Mountain Rd, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,538 sqft · built 1971
Lot Size	0.49 acres (21,344 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Jun 2020)
Tax Bill	$1,932 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`168025`

Property Details

APN / Parcel Number

Primary APN	`168025`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,538 sqft Heated Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	21,344 sqft (0.49 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	603 UPPER SPENCER MOUNTAIN RD
City	STANLEY
State	NC
Zip	28164-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	13 057 012 04 000
Jurisdiction	GASTON NC
Township / Civil Division	DALLAS
Census Block Group	1
Census Block	1001
Census Tract	33501

Owner

603 Upper Spencer Mountain Rd is owned and occupied by an individual who bought it in June 2020.

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

Owner of Record	Individual Name on File
Mailing Address	603 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1012
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 21, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jun 30, 2020	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2020 · Amount on File
Deed Sale	Jun 30, 2020 · Amount on File
Prior Sale	Jun 19, 2013 · Amount on File
Deed Book / Page	5135 / 410
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	603 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1012
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052480554
Date	Jul 21, 2021
Book Page	5248/554

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	GASTONIA, NC 28053

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jun 30, 2020
Property Address	603 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1012
Document Number	0051350410
Book / Page	5135 / 410
Instrument Date	Jun 30, 2020
Transaction Type	Transfer
Record Updated	Sep 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3236 SPRINGVIEW DR, 3236, LINCOLNTON, NC 28092-0682

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 UPPER SPENCER MOUNTAIN RD, STANLEY, NC 28164-1012

Mortgage

Document Number	5135413
Date	Jun 30, 2020
Instrument	5135/413

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 603 Upper Spencer Mountain Rd was $1,932.

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

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
2026	$1,932.00	$270,720 Land $24,000 Building $246,720
2023	$1,881.00	$270,720 Land $24,000 Building $246,720
2021			$155,880 Land $18,000 Building $137,880

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

Flood

FEMA maps place 603 Upper Spencer Mountain Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 603 Upper Spencer Mountain Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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