695 Saunders Rd, Gates, NC 27937 Property Records

Gates County property record for 695 Saunders Rd, Gates, NC 27937

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1900
Lot Size	1.62 acres (70,567 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Dec 2021)
Tax Bill	$1,598 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`03-01434`

Property Details

APN / Parcel Number

Primary APN	`03-01434`
Alternative APN	`105980`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,872 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Metal
Lot Area	70,567 sqft (1.62 acres)
Garage Area	280 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft
Storage Building	704 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic

Location & Zoning

Account Number	105980
Street Address	695 SAUNDERS RD
City	GATES
State	NC
Zip	27937-9577
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	L.A. HINES
Jurisdiction	GATES NC
Township / Civil Division	REYNOLDSON
Census Block Group	1
Census Block	1002
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	Individual Name on Record
Mailing Address	695 SAUNDERS RD, GATES, NC 27937-9577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit LANGLEY FEDERAL CREDIT UNION
Dec 30, 2021	Deed, Transfer · Conventional Mortgage TIDEWATER HOME FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Aug 19, 1999
Deed Document Number	2021319298
Deed Book / Page	368 / 1
Prior Transfer Date	Oct 2, 2014
Prior Transfer Doc	316/584
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GATES NC
Recording Date	Apr 28, 2026
Property Address	695 SAUNDERS RD, GATES, NC 27937-9577
Document Number	0000324631
Book / Page	395 / 377
Instrument Date	Jan 23, 2026
Instrument	2026324631
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DOCUMENT RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 SAUNDERS RD, GATES, NC 27937-9577

Mortgage

Document Number	0000324631,
Date	Apr 28, 2026
Book Page	395/377
Instrument	2026324631

Lender

Name	LANGLEY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.18%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	GATES NC
Recording Date	Dec 30, 2021
Property Address	695 SAUNDERS RD, GATES, NC 27937-9577
Document Number	00000368/1
Book / Page	368 / 1
Map Reference	CAB 1 SL 188 PL 4
Instrument Date	Dec 21, 2021
Instrument	319298
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 SAUNDERS RD, GATES, NC 27937-9577

Mortgage

Document Number	0000319299
Date	Dec 30, 2021
Instrument	319299

Lender

Name	TIDEWATER HOME FUNDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

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	$1,598.00 (+1.27%)	$192,307 (-) Land $50,891 Building $141,416	$192,307 (-) Land $50,891 Building $141,416
2025	$1,578.00 (+3.75%)	$192,307 (+31.2%) Land $50,891 Building $141,416	$192,307 (+31.2%) Land $50,891 Building $141,416
2023	$1,521.00	$146,572 Land $42,415 Building $104,157	$146,572 Land $42,415 Building $104,157

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	0.02% 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.

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 10 locations within half a mile, as of December 31, 2025

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

May also be available: Fybe.

Cell Coverage

5G (outdoors only) and 4G LTE

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