313 Bell St, Mount Holly, NC 28120 Property Records

Gaston County property record for 313 Bell St, Mount Holly, NC 28120 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,892 sqft · built 2023
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$371,000 (Oct 2023)
Tax Bill	$3,221 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Oct 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`216621`

Property Details

APN / Parcel Number

Primary APN	`216621`
Alternative APN	`1329192`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,892 sqft Heated Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Street Address	313 BELL ST
City	MOUNT HOLLY
State	NC
Zip	28120-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	C BRADLEY LOFTIN L 1 03 017 080 00 000
Legal Subdivision	MINOR SUBDIVISION FOR C BRADLEY LOFTIN
Jurisdiction	GASTON NC
Township / Civil Division	RIVERBEND
Census Block Group	1
Census Block	1027
Census Tract	31102

Owner

Source: Gaston County records · APN 216621

Assessment roll updated August 19, 2025 · Last verified July 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Oct 13, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Feb 06, 2023	Warranty Deed, Transfer · Commercial Mortgage DOMINION FINANCIAL SERVICES LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 13, 2023 · Amount on Record
Deed Sale	Oct 13, 2023 · Amount on Record
Prior Sale	Feb 06, 2023 · Amount on Record
Deed Book / Page	5440 / 334
Record Updated	Sep 20, 2026

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Oct 13, 2023
Property Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512
Document Number	0054400334
Book / Page	5440 / 334
Map Reference	MB 75 PG 126
Instrument Date	Oct 10, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 21, 2023
Title Company	SOUTH MIAMI TITLE COMPANY, SOUTH CITY TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 SOUTH BLVD # 210, 210, CHARLOTTE, NC 28203-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512

Mortgage

Document Number	0054400338
Date	Oct 13, 2023
Instrument	5440/0338

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Oct 13, 2023
Property Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512
Document Number	0054400334
Book / Page	5440 / 334
Map Reference	MB 75 PG 126
Instrument Date	Oct 10, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 21, 2023
Title Company	SOUTH MIAMI TITLE COMPANY, SOUTH CITY TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$742.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1910 SOUTH BLVD # 210, 210, CHARLOTTE, NC 28203-4787

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512

Mortgage

Document Number	0005440338
Date	Oct 13, 2023
Instrument	5440/338

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 06, 2023
Property Address	313 BELL ST, MOUNT HOLLY, NC 28120-1512
Document Number	0053910927
Book / Page	5391 / 927
Map Reference	MB 75 PG 126
Instrument Date	Feb 01, 2023
Transaction Type	Transfer
Record Updated	Mar 07, 2023

Transaction

Amount	Amount Recorded
Tax	$104.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	503 NIVENS COVE RD, MOUNT HOLLY, NC 28120-9720

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 SOUTH BLVD STE 220, 220, CHARLOTTE, NC 28203-5158

Mortgage

Document Number	0005391930
Date	Feb 06, 2023
Instrument	5391/930

Lender

Name	DOMINION FINANCIAL SERVICES LLC
Type	Funding / Finance Company

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 06, 2024

Tax Assessment & Valuation

Source: Gaston County records · Assessment roll updated August 19, 2025 · Last verified July 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,221.00 (+10,636.67%)	$320,870 (+10,703.7%) Land $20,940 Building $299,930
2023	$30.00	$2,970 Land $2,970
2021			$1,790 Land $1,790

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Gaston County (37071C), updated September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370710311021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Moderate
500-Year Floodplain	Yes
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Feb 2020, rainfall accumulation, Severe Storms, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 4,545 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 241 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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