2118 Smith Rd, Hope Mills, NC 28348 Property Records

Cumberland County property record for 2118 Smith Rd, Hope Mills, NC 28348

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Jun 2026)
Tax Bill	$1,246 (2026)
Deeds & Mortgages	Jul 2025 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0443-12-2049`

Property Details

APN / Parcel Number

Primary APN	`0443-12-2049`

Exterior

Lot Area	20,038 sqft (0.46 acres)

Location & Zoning

Street Address	2118 SMITH RD
City	HOPE MILLS
State	NC
Zip	28348-9026
Property Category	Residential
Property Type	Vacant Land > Residential
Local Zoning Code	R20A-RESID
Legal Description	MORNING GLORY LO:5 PH:1 PL:0148-0071
Legal Subdivision	MORNING GLORY SUB
Legal Phase	1
Legal Lot Number	5
Jurisdiction	CUMBERLAND NC
Township / Civil Division	GRAYS CREEK
Census Block Group	1
Census Block	1004
Census Tract	3004

Owner

2118 Smith Rd, residential vacant land, is owned and occupied by an individual who bought it in June 2026.

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

Owner of Record	Individual Name on File
Mailing Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jul 22, 2025	Deed of Trust, Mortgage · Line of Credit LUMBEE GUARANTY BANK
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FORT BRAGG FEDERAL CREDIT UNION
Jun 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FORT BRAGG FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on File
Deed Sale	Jun 9, 2026 · Amount on File
Prior Sale	May 27, 2025 · Amount on File
Deed Document Number	202619211
Deed Book / Page	12547 / 313
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	623 MAGNOLIA CHURCH RD, STEDMAN, NC 28391-8753

Mortgage

Document Number	0122870136
Date	Jul 22, 2025
Book Page	12287/136
Instrument	22133

Lender

Name	LUMBEE GUARANTY BANK
Type	Bank
Address	4845 FAYETTEVILLE RD, LUMBERTON, NC 28358

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jun 9, 2026
Property Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Document Number	0000019211
Book / Page	12547 / 313
Instrument Date	Jun 3, 2026
Instrument	202619211
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	SINGLE SOURCE REAL ESTATE SERV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019212,
Date	Jun 9, 2026
Instrument	202619212

Lender

Name	FORT BRAGG FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jun 9, 2026
Property Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Document Number	0125470313
Book / Page	12547 / 313
Instrument Date	Jun 3, 2026
Instrument	202619211
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE REAL ESTATE SERV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,700.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2118 SMITH RD, HOPE MILLS, NC 28348-9026
Investor	Possibly a Property Investor

Mortgage

Document Number	0000019212,
Date	Jun 9, 2026
Instrument	202619212

Lender

Name	FORT BRAGG FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

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

Tax Assessment & Valuation

The 2026 property tax bill for 2118 Smith Rd was $1,246, up 921.3% from the year before.

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	$1,246.00 (+921.31%)
2025	$122.00 (+40.23%)	$17,500 (+1%) Land $17,500	$17,500 (+1%) Land $17,500
2024	$87.00	$8,750 (-) Land $8,750	$8,750 (-) Land $8,750
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 2118 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 2118 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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