120 3rd St, Mount Holly, NC 28120 Property Records

Gaston County property record for 120 3rd St, Mount Holly, NC 28120

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,185 sqft · built 1958
Lot Size	0.48 acres (20,909 sqft)
Owner	Company Name on Record
Last Sale	$150,000 (May 2026)
Tax Bill	$1,012 (2026)
Deeds & Mortgages	Jul 2026 Mortgage May 2026 Sale & Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`181023`

Property Details

APN / Parcel Number

Primary APN	`181023`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,185 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	20,909 sqft (0.48 acres)
Garage Area	720 sqft
Porch	Porch
Porch Area	548 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	120 3RD ST
City	MOUNT HOLLY
State	NC
Zip	28120-1145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	L M LAYE BLK D L 1-5 14 105A 058 00 000
Legal Subdivision	L M LAYE PROPERTY
Legal Block	D
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1003
Census Tract	31004

Owner

Source: Gaston County records, as of September 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	8801 CEDAR RUN WAY, CHARLOTTE, NC 28273-8830
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage LENDINGONE
May 1, 2026	Warranty Deed, Transfer · Construction Mortgage LENDINGONE
May 1, 2026	Warranty Deed, Transfer TRYON TITLE
Jan 20, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage JAMIE SMITH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	May 1, 2026 · Amount on Record
Deed Book / Page	5637 / 997
Prior Transfer Date	Apr 8, 2009
Prior Transfer Doc	0044580468
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Recording Date	Jul 29, 2026
Property Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145
Document Number	5659000574
Book / Page	5659 / 574
Instrument Date	Jul 29, 2026
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	5659000574,
Date	Jul 29, 2026
Book Page	5659/574

Lender

Name	LENDINGONE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	May 1, 2026
Property Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145
Document Number	5637000997
Book / Page	5637 / 997
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	TRYON TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	5637000999,
Date	May 1, 2026
Book Page	5637/999

Lender

Name	LENDINGONE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 1, 2027

Interest

Rate	6.22%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	May 1, 2026
Property Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145
Document Number	5637000993
Book / Page	5637 / 993
Instrument Date	Apr 30, 2026
Transaction Type	Transfer
Record Updated	Jun 1, 2026
Title Company	TRYON TITLE

Transaction

Amount	Amount Recorded
Tax	$27,674.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Investor	Possibly a Property Investor

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Jan 20, 2023
Property Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145
Document Number	0053881418
Book / Page	5388 / 1418
Map Reference	MB 11 PG 2
Instrument Date	Jan 19, 2023
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 3RD ST, MOUNT HOLLY, NC 28120-1145
Investor	Possibly a Property Investor

Mortgage

Document Number	0053881421
Date	Jan 20, 2023
Instrument	5388/1421

Lender

Name	JAMIE SMITH
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Tax Assessment & Valuation

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	$1,012.00	$141,770 (-) Land $20,250 Building $121,520
2025	$1,012.00 (+2.74%)	$141,770 (-) Land $20,250 Building $121,520
2023	$985.00	$141,770 Land $20,250 Building $121,520
2021			$104,650 Land $16,500 Building $88,150

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 1, 2026

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

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

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 178 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 / 1,000

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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