Gaston County property record for 109 Lance St, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,278 sqft · built 1978 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,000 (Sep 2001) |
| Tax Bill | $600 (2026) |
| Deeds & Mortgages | Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14106A00101 |
| Primary APN | 14106A00101 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,278 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 22,216 sqft (0.51 acres) |
| Porch | Porch |
| Porch Area | 76 sqft |
| Heating Fuel | Electric |
|---|
| Street Address | 109 LANCE ST |
|---|---|
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-1151 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | W J SPRINGS L /9-10 14 106A 001 01 000 |
| Legal Tract | A |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 31005 |
109 Lance St is owned and occupied by two individuals who bought it in September 2001.
Source: Gaston County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 LANCE ST, MOUNT HOLLY, NC 28120-1151 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 27, 2001 · Amount on File |
| Deed Sale | Sep 27, 2001 · Amount on File |
| Prior Sale | Apr 21, 1998 · Amount on File |
| Deed Book / Page | 3313 / 513 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 109 LANCE ST, MOUNT HOLLY, NC 28120-1151 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051502184 |
|---|---|
| Date | Aug 28, 2020 |
| Book Page | 5150/2184 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | BELMONT, NC 28012 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 109 Lance St was $600.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $600.00 | $237,000 Land $22,500 Building $214,500 | |
| 2023 | $1,647.00 | $237,000 Land $22,500 Building $214,500 | |
| 2021 | $130,780 Land $16,500 Building $114,280 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Lance St 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 risk around 109 Lance St 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 | Direct burnable vegetation |
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 67 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 / 50 |
5G (outdoors only) and 4G LTE
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