105 Smith Ln, Mount Holly, NC 28120 Property Records

Gaston County property record for 105 Smith Ln, Mount Holly, NC 28120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,025 sqft · built 1972
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$1,500 (Aug 1991)
Tax Bill	$1,277 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Mar 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14091 00313`

Property Details

APN / Parcel Number

Primary APN	`14091 00313`
Alternative APN	`179125`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,025 sqft Heated Area
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	105 SMITH LN
City	MOUNT HOLLY
State	NC
Zip	28120-9306
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	ROLLINGWOOD BLK A L 3 14 091 003 13 000
Legal Subdivision	ROLLINGWOOD
Legal Block	A
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1000
Census Tract	31005

Owner

105 Smith Ln is owned and occupied by an individual who acquired it in February 2026.

Source: Gaston County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	105 SMITH LN, MOUNT HOLLY, NC 28120-9306
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Mar 9, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 1991 · Amount on File
Deed Sale	Aug 1, 1991 · Amount on File
Deed Book / Page	2121 / 318
Last Transfer Date	Feb 25, 2026
Transfer Doc	5623002365
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jun 29, 2026
Property Address	105 SMITH LN, MOUNT HOLLY, NC 28120-9306
Document Number	5651001681
Book / Page	5651 / 1681
Instrument Date	Jun 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SMITH LN, MOUNT HOLLY, NC 28120-9306

Mortgage

Document Number	5651001681,
Date	Jun 29, 2026
Book Page	5651/1681

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.53%
Max Rate	-1%

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GASTON NC
Recording Date	Mar 9, 2026
Property Address	105 SMITH LN, MOUNT HOLLY, NC 28120-9306
Document Number	0056232365
Book / Page	5623 / 2365
Map Reference	MB 26 PG 34
Instrument Date	Feb 25, 2026
Transaction Type	Transfer
Record Updated	Apr 2, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 SMITH LN, MT HOLLY, NC 28120-9306

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 SMITH LN, MT HOLLY, NC 28120-9306

Mortgage

Document Number	0056232369
Date	Mar 9, 2026
Instrument	5623/2369

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year CMT
Margin	2
Max Rate	11.3%

Tax Assessment & Valuation

The 2026 property tax bill for 105 Smith Ln was $1,277, up 100.2% from the year before.

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,277.00 (+100.16%)	$178,860 (-) Land $22,000 Building $156,860
2025	$638.00	$178,860 Land $22,000 Building $156,860
2023	$621.00	$178,860 Land $22,000 Building $156,860
2021			$97,270 Land $20,000 Building $77,270

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

Flood

FEMA maps place 105 Smith Ln 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	1 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

Wildfire risk around 105 Smith Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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