Gaston County property record for 407 Smith Rd, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,205 sqft · built 1980 |
| Lot Size | 3.69 acres (160,736 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $285,000 (Jul 2018) |
| Tax Bill | $3,189 (2026) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14091 02408 |
| Primary APN | 14091 02408 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,205 sqft Heated Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Contemporary |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 160,736 sqft (3.69 acres) |
| Pool Area | 648 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 407 SMITH RD |
|---|---|
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-9657 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1H |
| Legal Description | 14 091 024 08 000 |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 31005 |
407 Smith Rd is owned and occupied by two individuals who bought it in July 2018.
Source: Gaston County records, as of August 31, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| 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.
| Date | Document |
|---|---|
| Feb 18, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 25, 2018 | Warranty Deed, Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 25, 2018 · Amount on File |
| Deed Sale | Jul 25, 2018 · Amount on File |
| Prior Sale | Oct 22, 1979 |
| Deed Book / Page | 4990 / 495 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Title Company | ORTRIS |
| Name | Verified Name |
|---|
| Document Number | 0056191920 |
|---|---|
| Date | Feb 18, 2026 |
| Book Page | 5619/1920 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2021 |
| Title Company | STATES TITLE |
| Name | Verified Name |
|---|---|
| Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| Document Number | 0052600680 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 5260/680 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Jul 25, 2018 |
| Property Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| Document Number | 0049900495 |
| Book / Page | 4990 / 0495 |
| Instrument Date | Jul 24, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $570.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 105 RIPPLING WATER DR, 105, MOUNT HOLLY, NC 28120-9612 |
| Name | Verified Name |
|---|---|
| Address | 407 SMITH RD, MOUNT HOLLY, NC 28120-9657 |
| Document Number | 49900498 |
|---|---|
| Date | Jul 25, 2018 |
| Instrument | 4990/0498 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2048 |
The 2026 property tax bill for 407 Smith Rd was $3,189.
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,189.00 | $446,720 (-) Land $39,530 Building $407,190 | |
| 2025 | $3,189.00 | $446,720 Land $39,530 Building $407,190 | |
| 2023 | $3,104.00 | $446,720 Land $39,530 Building $407,190 | |
| 2021 | $264,490 Land $27,320 Building $237,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 Smith Rd in Zone X, an area of minimal flood risk.
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 risk around 407 Smith Rd is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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