Gaston County property record for 105 Crest St, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,304 sqft · built 1950 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,000 (Mar 2021) |
| Tax Bill | $3,089 (2026) |
| Deeds & Mortgages | Mar 2021 Sale Jul 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 123992 |
| Primary APN | 123992 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,304 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Construction Type | Wood |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 13,939 sqft (0.32 acres) |
| Porch | Porch |
| Porch Area | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 105 CREST ST |
|---|---|
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-1630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | HOWARD & SWINK PROP L 5-6 03 014 005 00 000 |
| Legal Subdivision | CLAUDE HOWARD AND RALPH SWINK PROPERTY |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 31102 |
105 Crest St is owned by two individuals who bought it in March 2021.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5712 GLEN FOREST DR, CHARLOTTE, NC 28226-8171 |
| 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 |
|---|---|
| Mar 26, 2021 | Warranty Deed, Transfer |
| Jul 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DIRECT HM LNS |
| Mar 26, 2019 | Warranty Deed, Transfer · Conventional with PMI DIRECT HM LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 26, 2021 · Amount on File |
| Deed Sale | Mar 26, 2021 · Amount on File |
| Prior Sale | Mar 26, 2019 · Amount on File |
| Deed Book / Page | 5212 / 858 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 26, 2021 |
| Property Address | 105 CREST ST, MOUNT HOLLY, NC 28120-1630 |
| Document Number | 0052120858 |
| Book / Page | 5212 / 858 |
| Map Reference | MB 10 PG 35 |
| Instrument Date | Mar 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 2, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $458.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 BROOK LN, 103, MOUNT HOLLY, NC 28120-1799 |
| Name | Verified Name |
|---|---|
| Address | 5712 GLEN FOREST DR, CHARLOTTE, NC 28226-8171 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 105 CREST ST, MOUNT HOLLY, NC 28120-1630 |
| Document Number | 0051421417 |
| Instrument Date | Jul 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 105 CREST ST MOUNT HOLLY NC 281201630, MOUNT HOLLY, NC 28120-1630 |
| Document Number | 0051421417 |
|---|---|
| Date | Jul 29, 2020 |
| Book Page | 005142/001417 |
| Name | DIRECT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 28, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Mar 26, 2019 |
| Property Address | 105 CREST ST, MOUNT HOLLY, NC 28120-1630 |
| Document Number | 0050312419 |
| Book / Page | 005031 / 002419 |
| Instrument Date | Mar 14, 2019 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 105 CREST ST MOUNT HOLLY NC 281201630, MOUNT HOLLY, NC 28120-1630 |
| Document Number | 50312422 |
|---|---|
| Date | Mar 26, 2019 |
| Book Page | 005031/002422 |
| Name | DIRECT HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28204 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 25, 2049 |
The 2026 property tax bill for 105 Crest St was $3,089.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Mount Holly City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,089.00 | $307,720 Land $33,000 Building $274,720 | |
| 2023 | $3,123.00 | $307,720 Land $33,000 Building $274,720 | |
| 2021 | $154,660 Land $25,500 Building $129,160 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Crest St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.
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 | 1 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Feb 2020 · Severe Storms, Tornadoes, And Flooding |
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 105 Crest St is low, with a 0.01% 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
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 MOUNT HOLLY serves 19,200 people · EPA ID NC0136020 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 276 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL · Fiber in parts of the area | 100 / 20 |
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