Cleveland County property record for 125 Sam Smith Rd, Kings Mountain, NC 28086
| Property Type | Single Family Home |
|---|---|
| Details | 1,459 sqft · built 1991 |
| Lot Size | 2.54 acres (110,930 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,000 (May 2020) |
| Tax Bill | $1,298 (2026) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 45648 |
| Primary APN | 45648 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 5 Plumbing Fixtures |
|---|---|
| Stories | 1 Story |
| Building Area | 1,459 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Material | Metal |
| Lot Area | 110,930 sqft (2.54 acres) |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 70 sqft |
| Deck Area | 200 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1330913 |
|---|---|
| Street Address | 125 SAM SMITH RD |
| City | KINGS MOUNTAIN |
| State | NC |
| Zip | 28086-7804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AA1 |
| Legal Description | 32 GREYFIELD PHS 4 PB18-58 |
| Legal Subdivision | GREYFIELD |
| Legal Block | 1 |
| Legal Lot Number | 129 |
| Jurisdiction | CLEVELAND NC |
| Township / Civil Division | CLEVELAND |
| Census Block Group | 3 |
| Census Block | 3031 |
| Census Tract | 950601 |
125 Sam Smith Rd is owned and occupied by an individual who bought it in May 2020.
Source: Cleveland County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 125 SAM SMITH RD, KINGS MOUNTAIN, NC 28086-7804 |
| 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.
| Date | Document |
|---|---|
| Dec 28, 2021 | Deed of Trust, Mortgage · USDA Mortgage PENNYMAC LOAN SERVICES LLC |
| May 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOMESTAR FINANCIAL CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 2020 · Amount on File |
| Deed Sale | May 22, 2020 · Amount on File |
| Prior Sale | Dec 2, 2011 · Amount on File |
| Deed Document Number | 202039548 |
| Deed Book / Page | 1813 / 1565 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Property Address | 125 SAM SMITH RD, KINGS MOUNTAIN, NC 28086-7804 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2022 |
| Title Company | STATES TITLE |
| Name | Verified Name |
|---|
| Document Number | 0018611158 |
|---|---|
| Date | Dec 28, 2021 |
| Book Page | 1861/1158 |
| Instrument | 200066323 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLEVELAND NC |
| Recording Date | May 22, 2020 |
| Property Address | 125 SAM SMITH RD, KINGS MOUNTAIN, NC 28086-7804 |
| Document Number | 0018131565 |
| Book / Page | 1813 / 1565 |
| Map Reference | MB 18 PG 58 |
| Instrument Date | May 22, 2020 |
| Instrument | 200039548 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $398.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 SAM SMITH RD, KINGS MOUNTAIN, NC 28086-7804 |
| Document Number | 18131568 |
|---|---|
| Date | May 22, 2020 |
| Instrument | 1813/1568 |
| Name | HOMESTAR FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2026 property tax bill for 125 Sam Smith Rd was $1,298, up 6% from the year before.
Source: Cleveland County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cleveland County |
| Unified School District | Cleveland County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,298.00 (+6.05%) | $192,846 (-) Land $23,517 Building $169,329 | $192,846 (-) Land $23,517 Building $169,329 |
| 2025 | $1,224.00 | $192,846 Land $23,517 Building $169,329 | $192,846 Land $23,517 Building $169,329 |
| 2023 | $159,718 Land $17,988 Building $141,730 | $159,718 Land $17,988 Building $141,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 125 Sam Smith Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 5, 2020
| 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 risk around 125 Sam Smith Rd is low, with a 0.05% 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 | 0.05% 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 | CLEVELAND COUNTY WATER serves 59,395 people · EPA ID NC0123055 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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, 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 54 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 |
| AT&T DSL | 100 / 20 |
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