409 Smith St, Belmont, NC 28012 Property Records

Gaston County property record for 409 Smith St, Belmont, NC 28012

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,189 sqft · built 1950
Lot Size	0.75 acres (32,670 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Feb 2022)
Tax Bill	$2,745 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15019D01100`

Property Details

APN / Parcel Number

Primary APN	`15019D01100`
Alternative APN	`184407`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	1 Plumbing Fixture
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,189 sqft Heated Area
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Wood
Roof Type	Gable/Hip
Roof Material	Shingle
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Street Address	409 SMITH ST
City	BELMONT
State	NC
Zip	28012-2637
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	MARYVILLE BLK B L 7,8,P9 15 019D 011 00 000
Legal Subdivision	MARYVILLE SUBDIVISION NUMBER 3
Legal Block	B
Jurisdiction	GASTON NC
Township / Civil Division	SOUTH POINT
Census Block Group	2
Census Block	2022
Census Tract	31202

Owner

409 Smith St is owned and occupied by an individual who bought it in February 2022.

Source: Gaston County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	409 SMITH ST, BELMONT, NC 28012-2637
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 14, 2022 · Amount on File
Deed Sale	Feb 14, 2022 · Amount on File
Prior Sale	Aug 3, 2015 · Amount on File
Deed Book / Page	5311 / 1406
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	GASTON NC
Recording Date	Feb 14, 2022
Property Address	409 SMITH ST, BELMONT, NC 28012-2637
Document Number	0053111406
Book / Page	5311 / 1406
Map Reference	MB 5 PG 72
Instrument Date	Feb 14, 2022
Transaction Type	Transfer
Record Updated	Mar 31, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	148 BERRY MOUNTAIN RD, 148, CRAMERTON, NC 28032-1637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 SMITH ST, BELMONT, NC 28012-2637

Mortgage

Document Number	0053111409
Date	Feb 14, 2022
Instrument	5311/1409

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 409 Smith St was $2,745.

Source: Gaston County assessment roll, as of August 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,745.00	$273,410 Land $25,000 Building $248,410
2023	$2,775.00	$273,410 Land $25,000 Building $248,410
2021			$117,360 Land $16,500 Building $100,860

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

Flood

FEMA maps place 409 Smith St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 1, 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 409 Smith St is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MOUNT HOLLY serves 19,200 people · EPA ID NC0136020
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	2 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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