307 Smith Rd, Mount Holly, NC 28120 Property Records

Gaston County property record for 307 Smith Rd, Mount Holly, NC 28120

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,672 sqft · built 1960
Lot Size	0.96 acres (41,818 sqft)
Owner	Company Name on Record
Last Sale	$130,000 (Apr 2016)
Tax Bill	$2,021 (2026)
Deeds & Mortgages	Dec 2023 Transfer Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14091 02100`

Property Details

APN / Parcel Number

Primary APN	`14091 02100`
Alternative APN	`179275`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,672 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Mixed
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	41,818 sqft (0.96 acres)
Porch	Porch
Porch Area	234 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Street Address	307 SMITH RD
City	MOUNT HOLLY
State	NC
Zip	28120-9313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	14 091 021 00 000
Legal Subdivision	PAUL DUNCAN & LYDIA W DUNCAN
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1000
Census Tract	31005

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2023	Intrafamily Transfer, Transfer
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Apr 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 11, 2016 · Amount on Record
Deed Sale	Apr 11, 2016 · Amount on Record
Deed Book / Page	4838 / 1376
Last Transfer Date	Dec 19, 2023
Transfer Doc	0054511848
Record Updated	Oct 29, 2026

December 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	GASTON NC
Recording Date	Dec 20, 2023
Property Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313
Document Number	0054511848
Book / Page	5451 / 1848
Instrument Date	Dec 19, 2023
Transaction Type	Transfer
Record Updated	Jan 24, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052922203
Date	Dec 8, 2021
Book Page	5292/2203

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Oct 14, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313
Transaction Type	Mortgage
Record Updated	Nov 10, 2021
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052691208
Date	Sep 23, 2021
Book Page	5269/1208

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GASTON NC
Property Address	307 SMITH RD, MOUNT HOLLY, NC 28120-9313
Document Number	0051190397
Instrument Date	Apr 18, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	307 SMITH RD MINERAL WELLS WV 26120, MINERAL WELLS, WV 26120

Mortgage

Document Number	0051190397
Date	May 1, 2020
Book Page	005119/000397

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 30, 2025

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,021.00	$283,110 (-) Land $27,440 Building $255,670
2025	$2,021.00 (+2.75%)	$283,110 (-) Land $27,440 Building $255,670
2023	$1,967.00	$283,110 Land $27,440 Building $255,670
2021			$170,880 Land $19,110 Building $151,770

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 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
Nearby Flood Policies	1 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	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 84 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: AT&T.

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