221 Silvercliff Dr, Mount Holly, NC 28120 Property Records

Gaston County property record for 221 Silvercliff Dr, Mount Holly, NC 28120

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,527 sqft · built 2002
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$781,000 (Jul 2025)
Tax Bill	$6,363 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`197781`

Property Details

APN / Parcel Number

Primary APN	`197781`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,527 sqft Heated Area
Flooring	Wood
Interior Walls	Paneling

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Custom Design
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	28,750 sqft (0.66 acres)
Porch	Porch
Porch Area	33 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	221 SILVERCLIFF DR
City	MOUNT HOLLY
State	NC
Zip	28120-9164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	STONEWATER L 331 14 046A 124 00 000
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1035
Census Tract	30104

Owner

221 Silvercliff Dr is owned and occupied by two individuals who bought it in July 2025.

Source: Gaston County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	221 SILVERCLIFF DR, MOUNT HOLLY, NC 28120-9164
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 25, 2025 · Amount on File
Deed Sale	Jul 25, 2025 · Amount on File
Prior Sale	Nov 18, 2021 · Amount on File
Deed Book / Page	5573 / 1774
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Nov 18, 2021
Property Address	221 SILVERCLIFF DR, MOUNT HOLLY, NC 28120-9164
Document Number	0052871113
Book / Page	5287 / 1113
Map Reference	MB 63 PG 48
Instrument Date	Nov 11, 2021
Transaction Type	Transfer
Record Updated	Jan 26, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,235.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4513 INLET POINTE CT, 4513, CHARLOTTE, NC 28216-6731

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 SILVERCLIFF DR, MOUNT HOLLY, NC 28120-9164
Investor	Possibly a Property Investor

Mortgage

Document Number	0052871115
Date	Nov 18, 2021
Instrument	5287/1115

Lender

Name	ADVANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 221 Silvercliff Dr was $6,363.

Source: Gaston County assessment roll, as of August 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Gaston County
Municipality	Mount Holly City
Unified School District	Gaston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,363.00	$633,830 Land $90,000 Building $543,830
2023	$6,320.00	$622,670 Land $90,000 Building $532,670
2021			$414,040 Land $82,000 Building $332,040

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

Flood

FEMA maps place 221 Silvercliff Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2019.

Source: FEMA National Flood Hazard Layer, effective September 1, 2026 · 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
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	5 (2019–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims

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 221 Silvercliff Dr is low, with a 0.03% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 146 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20