Gaston County property record for 638 Overlook Rd, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,584 sqft · built 2004 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Company Name on File |
| Last Sale | $260,000 (Aug 2021) |
| Tax Bill | $2,823 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Aug 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 199439 |
| Primary APN | 199439 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,584 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Porch | Porch |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 638 OVERLOOK RD |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1281 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | RIVERVIEW L 188 05 002C 187 00 000 |
| Legal Subdivision | RIVER VIEW |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 31304 |
638 Overlook Rd is owned by a company that bought it in August 2021.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 607 N ARDMORE AVE, LOS ANGELES, CA 90004-2003 |
| Owner Type | Company |
| Vesting | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 22, 2021 | Deed of Trust, Mortgage PATCH LENDING LLC |
| Aug 31, 2021 | Warranty Deed, Transfer |
| Jan 21, 2021 | Quit Claim Deed, Transfer · Conventional Mortgage PNC BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 31, 2021 · Amount on File |
| Deed Sale | Aug 31, 2021 · Amount on File |
| Prior Sale | Jan 21, 2021 · Amount on File |
| Deed Book / Page | 5261 / 2320 |
| Prior Transfer Date | Jan 6, 2021 |
| Prior Transfer Doc | 0051920934 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 638 OVERLOOK RD, LOWELL, NC 28098-1281 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052690159 |
|---|---|
| Date | Sep 22, 2021 |
| Book Page | 5269/159 |
| Name | PATCH LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SHERMAN OAKS, CA 91403 |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Aug 31, 2021 |
| Property Address | 638 OVERLOOK RD, LOWELL, NC 28098-1281 |
| Document Number | 0052612320 |
| Book / Page | 5261 / 2320 |
| Map Reference | MB 64 PG 60 |
| Instrument Date | Aug 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 638 OVERLOOK RD, 638, LOWELL, NC 28098-1281 |
| Name | Verified Name |
|---|---|
| Address | 607 N ARDMORE AVE, LOS ANGELES, CA 90004-2003 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jan 21, 2021 |
| Property Address | 638 OVERLOOK RD, LOWELL, NC 28098-1281 |
| Document Number | 0051920934 |
| Book / Page | 5192 / 934 |
| Map Reference | MB 64 PG 60 |
| Instrument Date | Jan 6, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | NATIONAL LINK ORIGINATIONS |
| Amount | Amount on Record |
|---|---|
| Tax | $61.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 638 OVERLOOK RD, LOWELL, NC 28098-1281 |
| Document Number | 5192939 |
|---|---|
| Date | Jan 21, 2021 |
| Instrument | 5192/939 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2026 property tax bill for 638 Overlook Rd was $2,823.
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 | $2,823.00 | $264,080 Land $28,000 Building $236,080 | |
| 2023 | $3,129.00 | $264,080 Land $28,000 Building $236,080 | |
| 2021 | $161,090 Land $21,000 Building $140,090 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 638 Overlook Rd 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 | 5 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 risk around 638 Overlook Rd is low, with a 0.02% 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 | 0.02% 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.
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 300 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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