862 Floyd Ln, Gastonia, NC 28052 Property Records

Gaston County property record for 862 Floyd Ln, Gastonia, NC 28052

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 2001
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Tax Bill	$1,161 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`107542`

Property Details

APN / Parcel Number

Primary APN	`107542`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,232 sqft Heated Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,216 sqft (0.51 acres)
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	862 FLOYD LN
City	GASTONIA
State	NC
Zip	28052-3794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	CITY OF GASTONIA L 2 01 046 140 00 000
Jurisdiction	GASTON NC
Township / Civil Division	GASTONIA
Census Block Group	2
Census Block	2005
Census Tract	32900

Owner

Source: Gaston County records · APN 107542

Assessment roll updated August 19, 2025 · Last verified April 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 File
Mailing Address	862 FLOYD LN, GASTONIA, NC 28052-3794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Sep 09, 2008
Transfer Doc	0044281038
Record Updated	Jun 08, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	862 FLOYD LN, GASTONIA, NC 28052-3794
Document Number	0051151935
Instrument Date	Apr 13, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2020
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 FLOYD LN GASTONIA NC 280523794, GASTONIA, NC 28052-3794

Mortgage

Document Number	0051151935
Date	Apr 17, 2020
Book Page	005115/001935

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

Tax Assessment & Valuation

Source: Gaston County records · Assessment roll updated August 19, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Municipality	Gastonia City
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,161.00 (-0.09%)	$221,080 (+2.68%) Land $18,000 Building $203,080
2023	$1,162.00	$215,320 Land $18,000 Building $197,320
2021			$113,290 Land $10,000 Building $103,290

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gaston County (37071C), as of September 1, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Based on FCC filings for 297 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NC0136010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TWO RIVERS UTILITIES serves 96,714 people
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.