Gaston County property record for 348 Valley St, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,104 sqft · built 1930 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $30,000 (Aug 2013) |
| Tax Bill | $1,560 (2023) |
| Deeds & Mortgages | Dec 2023 Second Mortgage Aug 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 221581 |
| Primary APN | 221581 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,104 sqft Heated Area |
| Year Built | Built 1930 |
|---|---|
| Architectural Style | Bungalow |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Material | Shingle |
| Lot Area | 29,621 sqft (0.68 acres) |
| Porch | Porch |
| Porch Area | 240 sqft |
| Heating System | Gas |
|---|
| Account Number | 1648788 |
|---|---|
| Street Address | 348 VALLEY ST |
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-1231 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | 03 022 041 00 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 31101 |
Source: Gaston County records · APN 221581
Assessment roll updated January 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 348 VALLEY ST, MOUNT HOLLY, NC 28120-1231 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FOUNDERS FCU |
| Aug 23, 2021 | Deed of Trust, Mortgage · Line of Credit FOUNDERS FCU |
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 29, 2013 · Amount on Record |
| Deed Sale | Aug 29, 2013 · Amount on Record |
| Deed Document Number | 0046932004 |
| Deed Book / Page | 4693 / 2004 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 348 VALLEY ST, MOUNT HOLLY, NC 28120-1231 |
| Transaction Type | Mortgage |
| Record Updated | Jan 24, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0054510256 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 5451/256 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jan 05, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 348 VALLEY ST, MOUNT HOLLY, NC 28120-1231 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052581702 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 5258/1702 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 05, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 348 VALLEY ST, MOUNT HOLLY, NC 28120-1231 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0052581687 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 5258/1687 |
| Name | FOUNDERS FCU |
|---|---|
| Type | Credit Union |
| Address | LANCASTER, SC 29720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 05, 2036 |
Source: Gaston County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Mount Holly City |
| Unified School District | Gaston County Schools (PK - 12) |
Assessed value is set for property tax purposes and is not a market price estimate.
| Year | Tax Bill | Assessed Value |
|---|---|---|
| 2023 | $1,560.00 | $153,770 Land $20,000 Building $133,770 |
Source: FEMA National Flood Hazard Layer, Gaston County (37071C), as of September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370710311013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 2 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
May also be available: T-Mobile USA.
Based on FCC filings for 138 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0136020, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MOUNT HOLLY serves 19,200 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Dec 2025 |
| Lead | 2 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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