Gaston County property record for 509 Pine St, Mount Holly, NC 28120
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,763 sqft · built 1925 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $194,000 (Sep 2019) |
| Tax Bill | $3,453 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 03005 10400 |
| Primary APN | 03005 10400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,763 sqft Heated Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Porch | Porch |
| Porch Area | 254 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 509 PINE ST |
|---|---|
| City | MOUNT HOLLY |
| State | NC |
| Zip | 28120-1847 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1A |
| Legal Description | LUTHER NIMS ESTATE L 7-10 03 005 104 00 000 |
| Legal Subdivision | LUTHER NIMS ESTATE |
| Jurisdiction | GASTON NC |
| Township / Civil Division | RIVERBEND |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 30105 |
Source: Gaston County records, as of August 31, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RAPID MORTGAGE COMPANY |
| Sep 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage RAPID MORTGAGE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 12, 2019 · Amount on Record |
| Deed Sale | Sep 12, 2019 · Amount on Record |
| Prior Sale | Mar 1, 1990 · Amount on Record |
| Deed Book / Page | 5066 / 2187 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Aug 18, 2022 |
| Property Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Document Number | 0053581756 |
| Book / Page | 5358 / 1756 |
| Map Reference | MB 7 PG 128 |
| Instrument Date | Aug 17, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2022 |
| Title Company | CASTLE TITLE AGENCY LLC, MASTER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $660.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3747 BLACK HWY, 3747, YORK, SC 29745-8738 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Document Number | 0053581758 |
|---|---|
| Date | Aug 18, 2022 |
| Instrument | 5358/1758 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.4% |
| Type Change Date | Sep 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6.4% |
| Index | 5-Year CMT |
| Max Rate | 10.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GASTON NC |
| Property Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052700778 |
|---|---|
| Date | Sep 27, 2021 |
| Book Page | 5270/778 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Address | CINCINNATI, OH 45249 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GASTON NC |
| Recording Date | Sep 12, 2019 |
| Property Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Document Number | 0050662187 |
| Book / Page | 5066 / 2187 |
| Map Reference | MB 7 PG 128 |
| Instrument Date | Sep 11, 2019 |
| Transaction Type | Transfer |
| Record Updated | Sep 6, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2646 TRYON COURTHOUSE RD, 2646, BESSEMER CITY, NC 28016-7646 |
| Name | Verified Name |
|---|---|
| Address | 509 PINE ST, MOUNT HOLLY, NC 28120-1847 |
| Document Number | 50662189 |
|---|---|
| Date | Sep 12, 2019 |
| Instrument | 5066/2189 |
| Name | RAPID MORTGAGE COMPANY |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
Source: Gaston County assessment roll, as of August 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Gaston County |
| Municipality | Mount Holly City |
| Unified School District | Gaston County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,453.00 (-1.09%) | $343,990 (-) Land $28,500 Building $315,490 | |
| 2023 | $3,491.00 | $343,990 Land $28,500 Building $315,490 | |
| 2021 | $150,670 Land $22,500 Building $128,170 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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