Gaston County property record for 409 Beech Bluff Dr, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,787 sqft · built 2008 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Apr 2019) |
| Tax Bill | $6,575 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Aug 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 213021 |
| Primary APN | 213021 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 14 Rooms |
| Stories | 2 Stories |
| Building Area | 3,787 sqft Heated Area |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Custom Design |
| Construction Type | Mixed |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 19,166 sqft (0.44 acres) |
| Porch | Porch |
| Porch Area | 238 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 BEECH BLUFF DR |
|---|---|
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-9271 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | STONEWATER BAY L 545 14 046 001 00 000 |
| Legal Subdivision | STONEWATER BAY PROPERTIES |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 30104 |
Source: Gaston County records · APN 213021
Assessment roll updated August 19, 2025 · Last verified August 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 | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 13, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Aug 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 30, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 30, 2019 · Amount on Record |
| Deed Sale | Apr 30, 2019 · Amount on Record |
| Prior Sale | Sep 22, 2008 · Amount on Record |
| Deed Book / Page | 5038 / 2182 |
| Prior Transfer Date | Oct 22, 2012 |
| Prior Transfer Doc | 0046411048 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Transaction Type | Mortgage |
| Record Updated | Jul 13, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0054160430 |
|---|---|
| Date | Jun 13, 2023 |
| Book Page | 5416/430 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0052530973 |
|---|---|
| Date | Aug 05, 2021 |
| Book Page | 5253/973 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0051380503 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 5138/503 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Apr 30, 2019 |
| Property Address | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Document Number | 0050382182 |
| Book / Page | 5038 / 2182 |
| Map Reference | MB 73 PG 70 |
| Instrument Date | Apr 27, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | INVESTORS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6719 STANETTE DR, 6719, CHARLOTTE, NC 28277-0409 |
| Name | Verified Name |
|---|---|
| Address | 409 BEECH BLUFF DR, MOUNT HOLLY, NC 28120-9271 |
| Document Number | 0050382186 |
|---|---|
| Date | Apr 30, 2019 |
| Instrument | 5038/2186 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
Source: Gaston County records · Assessment roll updated August 19, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Mount Holly City |
| Unified School District | Gaston County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,575.00 (-1.08%) | $654,900 (-) Land $90,000 Building $564,900 | |
| 2023 | $6,647.00 | $654,900 Land $90,000 Building $564,900 | |
| 2021 | $444,410 Land $82,000 Building $362,410 |
Source: FEMA National Flood Hazard Layer, Gaston County (37071C), as of September 1, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370710301041, 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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 10 policies |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 5 (2019–2024) |
| 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 177 locations within half a mile of this property.
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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