2078 Smith Rd, Hope Mills, NC 28348 Property Records

Cumberland County property record for 2078 Smith Rd, Hope Mills, NC 28348

Property Summary

Property Type	Rural Home
Details	2,151 sqft · built 1991
Lot Size	0.489 acres (21,344 sqft)
Owner	Individual Name on Record
Last Sale	$324,000 (Dec 2023)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0443-02-8131`

Property Details

APN / Parcel Number

Primary APN	`0443-02-8131`

Interior

Building Area	2,151 sqft Heated Area

Exterior

Year Built	Built 1991
Lot Area	21,344 sqft (0.489 acres)

Location & Zoning

Street Address	2078 SMITH RD
City	HOPE MILLS
State	NC
Zip	28348-8485
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R20A-RESIDENTIAL DISTRICT
Legal Description	MORNING GLORY LO:1 PH:1 PL:0148-0071
Legal Subdivision	MORNING GLORY SUB
Legal Phase	1
Jurisdiction	CUMBERLAND NC
Township / Civil Division	GRAYS CREEK
Census Block Group	1
Census Block	1004
Census Tract	3004

Owner

Source: Cumberland County records, as of December 18, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Deed of Trust, Mortgage · FHA Mortgage SWIFT HOME LOANS INC
Dec 5, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CORNERSTONE HOME LENDING
Feb 17, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2023 · Amount on Record
Deed Sale	Dec 5, 2023 · Amount on Record
Prior Sale	Feb 17, 2023 · Amount on Record
Deed Document Number	0011869422
Deed Book / Page	11869 / 422
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485
Transaction Type	Mortgage
Record Updated	Jan 12, 2026
Title Company	FAITH TITLE AND ESCROW INC, FIRST TITLE & ESCROW INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485

Mortgage

Document Number	0124120735
Date	Dec 30, 2025
Book Page	12412/735
Instrument	40967

Lender

Name	SWIFT HOME LOANS INC
Type	Mortgage Company
Address	255 S OLD WOODWARD AVE STE 300, BIRMINGHAM, MI 48009

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Dec 5, 2023
Property Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485
Document Number	0118690422
Book / Page	11869 / 422
Map Reference	MB 148 PG 71
Instrument Date	Oct 24, 2023
Instrument	37382
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 14, 2023

Transaction

Amount	Amount Recorded
Tax	$648.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2704 CREEKDEW CT, FAYETTEVILLE, NC 28306-3401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485

Mortgage

Document Number	0000037383
Date	Dec 5, 2023
Instrument	37383

Lender

Name	CORNERSTONE HOME LENDING
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Mortgage

Document Number	0118690424
Date	Dec 5, 2023
Book Page	11869/424
Instrument	37383

Lender

Name	CORNERSTONE HOME LENDING
Type	Mortgage Company
Address	1177 WEST LOOP S STE 700, HOUSTON, TX 77027

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Feb 17, 2023
Property Address	2078 SMITH RD, HOPE MILLS, NC 28348-8485
Document Number	0116740058
Book / Page	11674 / 58
Map Reference	MB 148 PG 71
Instrument Date	Feb 16, 2023
Instrument	4855
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4239 CAMERON RD, FAYETTEVILLE, NC 28306-7106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2704 CREEKDEW CT, FAYETTEVILLE, NC 28306-3401

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,542.00 (+24.98%)	$271,326 (+53.44%) Land $17,500 Building $253,826	$271,326 (+53.44%) Land $17,500 Building $253,826
2024	$2,034.00 (+2,237.93%)	$176,824 (+1,920.85%) Land $8,750 Building $168,074	$176,824 (+1,920.85%) Land $8,750 Building $168,074
2023	$87.00	$8,750 Land $8,750	$8,750 Land $8,750

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2025 · 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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	8 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

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

Wildfire Risk	High above 71% of the US · above 93% of North Carolina
Wildfire Likelihood	0.2% 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	FAYETTEVILLE PUBLIC WORKS COMM serves 226,441 people · EPA ID NC0326010
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 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: Metronet.

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