Gaston County property record for 816 River Trail Rd, Lowell, NC 28098
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,038 sqft · built 2003 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $109,000 (Oct 2003) |
| Tax Bill | $2,496 (2026) |
| Deeds & Mortgages | Feb 2024 Mortgage Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 199420 |
| Primary APN | 199420 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 4 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,038 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Porch | Porch |
| Porch Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 816 RIVER TRAIL RD |
|---|---|
| City | LOWELL |
| State | NC |
| Zip | 28098-1279 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | RIVERVIEW L 169 05 002C 168 00 000 |
| Legal Subdivision | RIVER VIEW |
| Jurisdiction | GASTON NC |
| Township / Civil Division | SOUTH POINT |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 31304 |
816 River Trail Rd is owned and occupied by an individual who acquired it in May 2020.
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 | Individual Name on File |
|---|---|
| Mailing Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2024 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jun 21, 2022 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| May 27, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 31, 2003 · Amount on File |
| Deed Sale | Oct 31, 2003 · Amount on File |
| Prior Sale | Jan 7, 2003 · Amount on File |
| Deed Book / Page | 3864 / 986 |
| Last Transfer Date | May 11, 2020 |
| Transfer Doc | 0051250238 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Document Number | 0054620328 |
|---|---|
| Date | Feb 22, 2024 |
| Book Page | 5462/328 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 133 Months |
| Due | Mar 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Document Number | 0053451291 |
|---|---|
| Date | Jun 21, 2022 |
| Book Page | 5345/1291 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 153 Months |
| Due | Mar 1, 2035 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | May 27, 2020 |
| Property Address | 816 RIVER TRAIL RD, LOWELL, NC 28098-1279 |
| Document Number | 0051250238 |
| Book / Page | 005125 / 000238 |
| Instrument Date | May 11, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jun 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 816 RIVER TRAIL RD LOWELL NC 280981279, LOWELL, NC 28098-1279 |
The 2026 property tax bill for 816 River Trail Rd was $2,496.
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 | $2,496.00 | $233,490 (-) Land $28,000 Building $205,490 | |
| 2025 | $2,496.00 | $233,490 Land $28,000 Building $205,490 | |
| 2023 | $2,766.00 | $233,490 Land $28,000 Building $205,490 | |
| 2021 | $129,610 Land $21,000 Building $108,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 816 River Trail 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 816 River Trail 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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