229 River St, Mount Holly, NC 28120 Property Records

Gaston County property record for 229 River St, Mount Holly, NC 28120

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,350 sqft · built 2023
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$351,500 (May 2023)
Tax Bill	$3,049 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`307430`

Property Details

APN / Parcel Number

Primary APN	`307430`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,350 sqft Heated Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Ranch
Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Street Address	229 N RIVER ST
City	MOUNT HOLLY
State	NC
Zip	28120-2240
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVER STREET PARK LOT 3 PLAT BOOK 096 PAGE 115
Legal Lot Number	3
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1043
Census Tract	30106

Owner

229 River St is owned and occupied by an individual who bought it in May 2023.

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

Owner of Record	Individual Name on File
Mailing Address	229 N RIVER ST, MOUNT HOLLY, NC 28120-2240
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	Name on Deed
Last Sale	May 12, 2023 · Amount on File
Deed Sale	May 12, 2023 · Amount on File
Deed Book / Page	5410 / 820
Record Updated	Oct 29, 2026

May 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	May 12, 2023
Property Address	229 RIVER ST, MOUNT HOLLY, NC 28120-2240
Document Number	0054100820
Book / Page	5410 / 820
Map Reference	MB 96 PG 115
Instrument Date	May 11, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 28, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$703.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	229 RIVER ST, MOUNT HOLLY, NC 28120-2240

Mortgage

Document Number	0005410822
Date	May 12, 2023
Instrument	5410/822

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 229 River St was $3,049.

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
2026	$3,049.00	$303,690 Land $30,000 Building $273,690
2023	$304.00	$30,000 Land $30,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 229 River St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	3 (2019–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 229 River St is low, with a 0.02% 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	0.02% 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20