644 Summerow Rd, Stanley, NC 28164 Property Records

Gaston County property record for 644 Summerow Rd, Stanley, NC 28164

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 850 sqft · built 1950
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Jul 2022)
Tax Bill	$1,223 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13057 00800`

Property Details

APN / Parcel Number

Primary APN	`13057 00800`
Alternative APNs	`1471975` `168014`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	850 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Cottage
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	16,553 sqft (0.38 acres)
Garage Area	96 sqft
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	644 SUMMEROW RD
City	STANLEY
State	NC
Zip	28164-1385
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	T L RHYNE L P/62-64 13 057 008 00 000
Legal Subdivision	T L RHYNE SUBDIVISION
Jurisdiction	GASTON NC
Township / Civil Division	DALLAS
Census Block Group	2
Census Block	2002
Census Tract	33501

Owner

644 Summerow Rd is owned and occupied by two individuals who bought it in July 2022.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	644 SUMMEROW RD, STANLEY, NC 28164-1385
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
Nov 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 27, 2016	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2022 · Amount on File
Deed Sale	Jul 28, 2022 · Amount on File
Prior Sale	Mar 31, 2006 · Amount on File
Deed Book / Page	5354 / 1101
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jul 28, 2022
Property Address	644 SUMMEROW RD, STANLEY, NC 28164-1385
Document Number	0053541101
Book / Page	5354 / 1101
Map Reference	MB 9 PG 45
Instrument Date	Jul 26, 2022
Transaction Type	Transfer
Record Updated	Sep 5, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	536 SUMMEROW RD, 536, STANLEY, NC 28164-1377

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	644 SUMMEROW RD, STANLEY, NC 28164-1385

Mortgage

Document Number	0053541104
Date	Jul 28, 2022
Instrument	5354/1104

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	644 SUMMEROW RD, STANLEY, NC 28164-1385
Transaction Type	Mortgage
Record Updated	Jan 26, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052861278
Date	Nov 16, 2021
Book Page	5286/1278

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2036

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	644 SUMMEROW RD, STANLEY, NC 28164-1385
Document Number	0048881380
Book / Page	004888 / 001380
Instrument Date	Dec 27, 2016
Transaction Type	Mortgage
Record Updated	Feb 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	644 SUMMEROW RD STANLEY NC 281641385, STANLEY, NC 28164-1385

Mortgage

Document Number	0048881380
Date	Jan 3, 2017
Book Page	004888/001380

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 644 Summerow Rd was $1,223.

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	$1,223.00	$171,380 Land $20,000 Building $151,380
2023	$1,191.00	$171,380 Land $20,000 Building $151,380
2021			$80,760 Land $15,000 Building $65,760

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

Flood

FEMA maps place 644 Summerow 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 644 Summerow 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 65% of the US · above 48% 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 86 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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