286 McGirt Rd, Hamlet, NC 28345 Property Records

Richmond County property record for 286 McGirt Rd, Hamlet, NC 28345

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,310 sqft · built 2019
Lot Size	1.53 acres (66,647 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,332 (2026)
Deeds & Mortgages	Apr 2020 Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`749001364683`

Property Details

APN / Parcel Number

Primary APN	`749001364683`
Alternative APN	`27389301`

Interior

Full Baths	2 Baths
Building Area	2,310 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	66,647 sqft (1.53 acres)
Garage Area	720 sqft

Location & Zoning

Account Number	27389301
Street Address	286 MCGIRT RD
City	HAMLET
State	NC
Zip	28345-9124
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR1 & DWELLING
Legal Subdivision	PROPERTY SURVEYED FOR DR ALXANDER DUNCAN
Legal Tract	1
Jurisdiction	RICHMOND NC
Township / Civil Division	MARKS CREEK
Census Block Group	2
Census Block	2018
Census Tract	971100

Owner

Source: Richmond County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	286 MCGIRT RD, HAMLET, NC 28345-9124
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Mar 1, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Jul 25, 2019	Deed of Trust, Mortgage · FHA Mortgage POTOMAC MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND NC
Property Address	286 MCGIRT RD, HAMLET, NC 28345-9124
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001841/1
Date	Apr 14, 2020
Book Page	1841/1
Instrument	257260

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND NC
Property Address	286 MCGIRT RD, HAMLET, NC 28345-9124
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00001875/1
Date	Mar 1, 2021
Book Page	1875/1
Instrument	261865

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RICHMOND NC
Property Address	286 MCGIRT RD, HAMLET, NC 28345-9124
Transaction Type	Mortgage
Record Updated	Sep 6, 2022
Title Company	FIRST CHOICE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001817/173
Date	Jul 25, 2019
Book Page	1817/173
Instrument	253884

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

Source: Richmond County assessment roll, as of October 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Richmond County
Unified School District	Richmond County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,332.00 (+23.52%)	$331,456 (+34.32%) Land $16,848 Building $314,608	$331,456 (+34.32%) Land $16,848 Building $314,608
2023	$1,888.00	$246,772 Land $17,248 Building $229,524	$246,772 Land $17,248 Building $229,524

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 7, 2014 · 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
Nearby Flood Policies	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 89% 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	RICHMOND COUNTY WATER SYSTEM serves 22,578 people · EPA ID NC0377109
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Jul 2017
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 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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