Gaston County property record for 7005 Whitewater Loop, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,335 sqft · built 2019 |
| Lot Size | 0.39 acres (16,988 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $302,500 (Mar 2019) |
| Tax Bill | $5,343 (2026) |
| Deeds & Mortgages | May 2020 Mortgage Mar 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 227637 |
| Primary APN | 227637 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,335 sqft Heated Area |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Lot Area | 16,988 sqft (0.39 acres) |
| Street Address | 7005 WHITEWATER LOOP |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-0018 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVER FALLS L 2 05 002C 001 01 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 31304 |
7005 Whitewater Loop is owned and occupied by two individuals who bought it in March 2019.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 7005 WHITEWATER LOOP, LOWELL, NC 28098-0018 |
| 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 |
|---|---|
| May 12, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK |
| Mar 4, 2019 | Warranty Deed, Subdivision Related Transfer · Conventional with PMI BAY EQUITY |
| Jun 1, 2018 | Loan Modification, Mortgage · Line of Credit TEXAS CAP BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 4, 2019 · Amount on File |
| Deed Sale | Mar 4, 2019 · Amount on File |
| Prior Sale | Jun 1, 2018 · Amount on File |
| Deed Book / Page | 5028 / 539 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 7005 WHITEWATER LOOP, LOWELL, NC 28098-0018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051211577 |
|---|---|
| Date | May 12, 2020 |
| Book Page | 5121/1577 |
| Name | FIRST HORIZON BANK |
|---|---|
| Type | Bank |
| Address | MEMPHIS, TN 38103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 4, 2019 |
| Property Address | 7005 WHITEWATER LOOP, LOWELL, NC 28098-0018 |
| Document Number | 0050280539 |
| Book / Page | 005028 / 000539 |
| Instrument Date | Mar 4, 2019 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 19, 2019 |
| Title Company | INDEPENDENCE TITLE GROUP LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $605.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 7005 WHITEWATER LOOP LOWELL NC 280980018, LOWELL, NC 28098-0018 |
| Document Number | 50280541 |
|---|---|
| Date | Mar 4, 2019 |
| Book Page | 005028/000541 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 3, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jun 1, 2018 |
| Property Address | 7005 WHITEWATER LOOP, LOWELL, NC 28098-0018 |
| Document Number | 0049802212 |
| Book / Page | 004980 / 002212 |
| Instrument Date | May 31, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 7005 WHITEWATER LOOP LOWELL NC 28098, LOWELL, NC 28098 |
| Investor | Possibly a Property Investor |
| Document Number | 49802212 |
|---|---|
| Date | Jun 1, 2018 |
| Book Page | 004980/002212 |
| Name | TEXAS CAP BK |
|---|---|
| Type | Bank |
| Address | 2350 LAKESIDE BLVD # 800, RICHARDSON, TX 75082-4340 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 7005 Whitewater Loop was $5,343.
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 | $5,343.00 | $499,900 Land $55,000 Building $444,900 | |
| 2023 | $5,884.00 | $496,560 Land $55,000 Building $441,560 | |
| 2021 | $318,390 Land $55,000 Building $263,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 7005 Whitewater Loop in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 7005 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures