2108 Smith Rd, Hope Mills, NC 28348 Property Records

Cumberland County property record for 2108 Smith Rd, Hope Mills, NC 28348

Property Summary

Property Type	Rural Home
Details	4 bd · 2,158 sqft · built 2023
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$332,000 (Jun 2023)
Tax Bill	$2,566 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`0443-12-1140`

Property Details

APN / Parcel Number

Primary APN	`0443-12-1140`

Interior

Bedrooms	4 Beds
Building Area	2,158 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Lot Area	20,038 sqft (0.46 acres)
Garage Area	462 sqft

Location & Zoning

Street Address	2108 SMITH RD
City	HOPE MILLS
State	NC
Zip	28348-9026
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R20A-RESID
Legal Description	MORNING GLORY LO:4 PH:1 PL:0148-0071
Legal Subdivision	MORNING GLORY SUB
Legal Phase	1
Legal Lot Number	4
Jurisdiction	CUMBERLAND NC
Township / Civil Division	GRAYS CREEK
Census Block Group	1
Census Block	1004
Census Tract	3004

Owner

2108 Smith Rd, a rural home, is owned and occupied by an individual who bought it in June 2023.

Source: Cumberland County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2108 SMITH RD, HOPE MILLS, NC 28348-9026
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2023	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Aug 1, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Prior Sale	May 18, 2023 · Amount on File
Deed Document Number	202320553
Deed Book / Page	11769 / 810
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jun 30, 2023
Property Address	2108 SMITH RD, HOPE MILLS, NC 28348-9026
Document Number	0117690810
Book / Page	11769 / 810
Map Reference	MB 148 PG 71
Instrument Date	Jun 21, 2023
Instrument	20553
Transaction Type	Transfer
Record Updated	Sep 4, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$664.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4812 ADDIE LN, FAYETTEVILLE, NC 28306-3412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2108 SMITH RD, HOPE MILLS, NC 28348-9026

Mortgage

Document Number	0000020554
Date	Jun 30, 2023
Instrument	20554

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Aug 1, 2022
Property Address	2108 SMITH RD, HOPE MILLS, NC 28348-9026
Document Number	0115370327
Book / Page	11537 / 327
Map Reference	MB 148 PG 71
Instrument Date	Jul 28, 2022
Instrument	31169
Transaction Type	Transfer
Record Updated	Sep 4, 2023

Transaction

Amount	Amount on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 RED CEDAR LN, FAYETTEVILLE, NC 28306-3924

Tax Assessment & Valuation

The 2026 property tax bill for 2108 Smith Rd was $2,566.

Source: Cumberland County assessment roll, as of December 19, 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
2026	$2,566.00
2025	$2,566.00 (+25.66%)	$275,234 (+53.36%) Land $17,500 Building $257,734	$275,234 (+53.36%) Land $17,500 Building $257,734
2024	$2,042.00 (+2,247.13%)	$179,464 (+1,951.02%) Land $8,750 Building $170,714	$179,464 (+1,951.02%) Land $8,750 Building $170,714
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

FEMA maps place 2108 Smith Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2108 Smith Rd is high, ranking above 71% of the US, with a 0.2% annual chance of 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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