401 Bill Smith Rd, Providence, NC 27315 Property Records

Caswell County property record for 401 Bill Smith Rd, Providence, NC 27315

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,782 sqft · built 1977
Lot Size	0.606 acres (26,400 sqft)
Owner	2 Individual Names on File
Last Sale	$174,000 (Jun 2018)
Tax Bill	$1,504 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1061080`

Property Details

APN / Parcel Number

Primary APN	`1061080`
Alternative APN	`0063.00.00.0174.0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,782 sqft Living Area
Gross Area	4,406 sqft
1st Floor Area	1,782 sqft
Basement Area	1,783 sqft
Finished Basement	446 sqft
Unfinished Basement	1,337 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1994
Exterior Material	Brick Veneer
Construction Type	Wood
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Metal
Lot Area	26,400 sqft (0.606 acres)
Lot Dimensions	165 ft deep x 160 ft wide
Garage Type	Finished
Garage Area	621 sqft
Driveway	Asphalt Driveway
Driveway Area	1,400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	36 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1061080
Street Address	401 BILL SMITH RD
City	PROVIDENCE
State	NC
Zip	27315-9760
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PL-183/653
Jurisdiction	CASWELL NC
Township / Civil Division	DAN RIVER
Census Block Group	2
Census Block	2012
Census Tract	930300

Owner

401 Bill Smith Rd is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
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
Oct 24, 2025	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY 1 LENDING INC
Apr 29, 2024	Deed of Trust, Mortgage · FHA Mortgage NATIONS MORTGAGE LLC
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 12, 2019	Deed of Trust, Mortgage · FHA Mortgage JFQ LENDING INC
Jun 11, 2018	Warranty Deed, Transfer · FHA Mortgage CBC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on File
Deed Sale	Jun 11, 2018 · Amount on File
Deed Document Number	2018339974
Deed Book / Page	607 / 413
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASWELL NC
Property Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	UNKNOWN, EQUITY FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760

Mortgage

Document Number	00672/1000
Date	Oct 24, 2025
Book Page	672/1000
Instrument	362105

Lender

Name	LIBERTY 1 LENDING INC
Type	Mortgage Company
Address	33101 SCHOOLCRAFT RD, LIVONIA, MI 48150

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASWELL NC
Property Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	ALLIANCE GROUP TITLE LLC, ALLIANCE FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760

Mortgage

Document Number	00657/1545
Date	Apr 29, 2024
Book Page	657/1545
Instrument	357477

Lender

Name	NATIONS MORTGAGE LLC
Type	Mortgage Company
Address	25925 TELEGRAPH RD STE 410, SOUTHFIELD, MI 48033

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASWELL NC
Property Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
Transaction Type	Mortgage
Record Updated	Apr 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	629/1264
Date	Mar 30, 2021
Book Page	629/1264
Instrument	347999

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASWELL NC
Property Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
Transaction Type	Mortgage
Record Updated	Feb 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	612/0270
Date	Feb 12, 2019
Book Page	612/0270
Instrument	341911

Lender

Name	JFQ LENDING INC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85260

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASWELL NC
Recording Date	Jun 11, 2018
Property Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760
Document Number	00607/0413
Book / Page	607 / 0413
Instrument Date	Jun 8, 2018
Instrument	339974
Transaction Type	Transfer
Record Updated	Feb 10, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$348.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 BILL SMITH RD, 401, PROVIDENCE, NC 27315-9760

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 BILL SMITH RD, PROVIDENCE, NC 27315-9760

Mortgage

Document Number	0000339975
Date	Jun 11, 2018
Instrument	339975

Lender

Name	CBC NATIONAL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 401 Bill Smith Rd was $1,504, up 1.1% from the year before.

Source: Caswell County assessment roll, as of November 7, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,504.00 (+1.14%)	$205,615 (-) Land $14,784 Building $190,831	$205,615 (-) Land $14,784 Building $190,831
2025	$1,487.00 (+6.59%)	$205,615 (-) Land $14,784 Building $190,831	$205,615 Land $14,784 Building $190,831
2024	$1,395.00 (+7.47%)	$205,615 (+33.86%) Land $14,784 Building $190,831
2023	$1,298.00	$153,600 Land $12,880 Building $140,720	$205,615 Land $14,784 Building $190,831

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

Flood

FEMA maps place 401 Bill Smith Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 401 Bill Smith Rd is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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