Gaston County property record for 7004 Whitewater Loop, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,280 sqft · built 2018 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $273,000 (Dec 2018) |
| Tax Bill | $4,272 (2026) |
| Deeds & Mortgages | Sep 2022 Second Mortgage Jun 2021 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 227658 |
| Primary APN | 227658 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,280 sqft Heated Area |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Lot Area | 16,988 sqft (0.39 acres) |
| Porch | Porch |
| Porch Area | 95 sqft |
| Street Address | 7004 WHITEWATER LOOP |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-0017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER FALLS L 40 05 002C 001 01 000 |
| Legal Subdivision | RIVER FALLS |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 31304 |
7004 Whitewater Loop is owned and occupied by two individuals who bought it in December 2018.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| 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.
| Date | Document |
|---|---|
| Sep 7, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jun 16, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK |
| Dec 21, 2018 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage SUNTRUST BANK |
| Aug 21, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Aug 21, 2018 | Loan Modification, Mortgage · Line of Credit HOUSING CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 21, 2018 · Amount on File |
| Deed Sale | Dec 21, 2018 · Amount on File |
| Prior Sale | Aug 21, 2018 · Amount on File |
| Deed Book / Page | 5017 / 554 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Title Company | ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0053622377 |
|---|---|
| Date | Sep 7, 2022 |
| Book Page | 5362/2377 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Sep 7, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Document Number | 0052372202 |
|---|---|
| Date | Jun 16, 2021 |
| Book Page | 5237/2202 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | RICHMOND, VA 23224 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 331 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Dec 21, 2018 |
| Property Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Document Number | 0050170554 |
| Book / Page | 5017 / 0554 |
| Map Reference | MB 87 PG 98 |
| Instrument Date | Dec 21, 2018 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 6, 2021 |
| Title Company | INDEPENDENCE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $546.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2649 BREKONRIDGE CENTRE DR, 2649, MONROE, NC 28110-5629 |
| Name | Verified Name |
|---|---|
| Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Document Number | 50170556 |
|---|---|
| Date | Dec 21, 2018 |
| Instrument | 5017/0556 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Aug 21, 2018 |
| Property Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Document Number | 0049951230 |
| Book / Page | 004995 / 001230 |
| Instrument Date | Aug 16, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $110.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2649 BREKONRIDGE CENTRE DR MONROE NC 281105629, MONROE, NC 28110-5629 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Aug 21, 2018 |
| Property Address | 7004 WHITEWATER LOOP, LOWELL, NC 28098-0017 |
| Document Number | 0049951232 |
| Book / Page | 004995 / 001232 |
| Instrument Date | Aug 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7004 WHITEWATER LOOP LOWELL NC 28098, LOWELL, NC 28098 |
| Investor | Possibly a Property Investor |
| Document Number | 49951232 |
|---|---|
| Date | Aug 21, 2018 |
| Book Page | 004995/001232 |
| Name | HOUSING CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 201 S TRYON ST # 2ND, CHARLOTTE, NC 28202-3212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 7004 Whitewater Loop was $4,272.
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 | $4,272.00 | $399,660 Land $55,000 Building $344,660 | |
| 2023 | $4,735.00 | $399,660 Land $55,000 Building $344,660 | |
| 2021 | $265,660 Land $55,000 Building $210,660 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7004 Whitewater Loop 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 7004 Whitewater Loop is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% 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.
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 102 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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