2404 Smith Rd, Hope Mills, NC 28348 Property Records

Cumberland County property record for 2404 Smith Rd, Hope Mills, NC 28348

Property Summary

Property Type	Rural Home
Details	3 bd · 1,872 sqft · built 2017
Lot Size	0.8 acres (34,848 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Oct 2021)
Tax Bill	$2,447 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0443-31-4998`

Property Details

APN / Parcel Number

Primary APN	`0443-31-4998`

Interior

Bedrooms	3 Beds
Building Area	1,872 sqft Heated Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	34,848 sqft (0.8 acres)
Garage Area	482 sqft

Location & Zoning

Street Address	2404 SMITH RD
City	HOPE MILLS
State	NC
Zip	28348
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R40-RESIDE
Legal Description	VANCE U TYSON JR LO:4 PL:00145-0097
Legal Subdivision	GRAYS CREEK DISTRICT
Legal Lot Number	4
Jurisdiction	CUMBERLAND NC
Township / Civil Division	GRAYS CREEK
Census Block Group	1
Census Block	1003
Census Tract	3004

Owner

2404 Smith Rd, a rural home, is owned and occupied by an individual who bought it in October 2021.

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

Owner of Record	Individual Name on File
Mailing Address	2404 SMITH RD, HOPE MILLS, NC 28348
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
Sep 28, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Oct 3, 2023	Deed of Trust, Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPME
Oct 20, 2021	Warranty Deed, Transfer · FHA Mortgage LOWER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 20, 2021 · Amount on File
Deed Sale	Oct 20, 2021 · Amount on File
Deed Document Number	202148839
Deed Book / Page	11284 / 746
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Recording Date	Sep 28, 2026
Property Address	2404 SMITH RD, HOPE MILLS, NC 28348
Document Number	0000032195
Book / Page	12631 / 839
Instrument Date	Aug 8, 2026
Instrument	202632195
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 SMITH RD, HOPE MILLS, NC 28348

Mortgage

Document Number	0000032195,
Date	Sep 28, 2026
Book Page	12631/839
Instrument	202632195

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	302 Months
Due	Nov 1, 2051

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	2404 SMITH RD, HOPE MILLS, NC 28348
Transaction Type	Mortgage
Record Updated	Dec 19, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 SMITH RD, HOPE MILLS, NC 28348

Mortgage

Document Number	0118330007
Date	Oct 3, 2023
Book Page	11833/7
Instrument	31155

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPME
Type	Non-Lending Institution
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Amount	Amount on Record
Term	337 Months
Due	Nov 1, 2051

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Oct 20, 2021
Property Address	2404 SMITH RD, HOPE MILLS, NC 28348
Document Number	0112840746
Book / Page	11284 / 746
Map Reference	MB 145 PG 97
Instrument Date	Oct 12, 2021
Instrument	48839
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 53798, FAYETTEVILE, SC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2404 SMITH RD, HOPE MILLS, NC 28348

Mortgage

Document Number	0000048840
Date	Oct 20, 2021
Instrument	48840

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 2404 Smith Rd was $2,447.

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	$2,447.00
2025	$2,447.00 (+25.68%)	$259,336 (+43.13%) Land $30,000 Building $229,336	$259,336 (+43.13%) Land $30,000 Building $229,336
2024	$1,947.00 (+1.94%)	$181,183 (-) Land $17,500 Building $163,683	$181,183 (-) Land $17,500 Building $163,683
2023	$1,910.00 (+1.98%)	$181,183 Land $17,500 Building $163,683	$181,183 Land $17,500 Building $163,683
2022	$1,873.00

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

Flood

FEMA maps place 2404 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 2404 Smith Rd is moderate, ranking above 61% 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	Moderate above 61% of the US · above 84% 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 178 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
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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