5960 Smith Lake Rd, Mount Pleasant, NC 28124 Property Records

Cabarrus County property record for 5960 Smith Lake Rd, Mount Pleasant, NC 28124

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,225 sqft · built 1977
Lot Size	1.19 acres (51,836 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Aug 2020)
Tax Bill	$1,212 (2023)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5578 80 9228`

Property Details

APN / Parcel Number

Primary APN	`5578 80 9228`
Alternative APNs	`09005 0010.800000` `139791`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,225 sqft Living Area
Gross Area	1,545 sqft
1st Floor Area	1,225 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	51,836 sqft (1.19 acres)
Lot Dimensions	242 ft deep x 214 ft wide
Garage Type	Mixed
Garage Area	1,024 sqft
Driveway	Asphalt Driveway
Driveway Area	2,000 sqft
Parking Spaces	5 Parking Spaces
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Electric

Location & Zoning

Account Number	139791
Street Address	5960 SMITH LAKE RD
City	MOUNT PLEASANT
State	NC
Zip	28124-9113
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AO
Legal Description	WEST SIDE SMITH LAKE RD
Legal Subdivision	SMITH LAKES LOTS
Jurisdiction	CABARRUS NC
Township / Civil Division	9, GEORGEVILLE
Census Block Group	2
Census Block	2023
Census Tract	41602

Owner

5960 Smith Lake Rd is owned and occupied by an individual who bought it in August 2020.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113
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
Apr 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Apr 21, 2026	Deed of Trust · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Aug 24, 2020	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2020 · Amount on File
Deed Sale	Aug 24, 2020 · Amount on File
Prior Sale	Oct 1, 1977 · Amount on File
Deed Book / Page	14438 / 295
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Apr 21, 2026
Property Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113
Document Number	0017949224
Book / Page	17949 / 224
Instrument Date	Apr 17, 2026
Instrument	20269097
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113

Mortgage

Document Number	0000009097,
Date	Apr 21, 2026
Book Page	17949/224
Instrument	20269097

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Recording Date	Apr 21, 2026
Property Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113
Document Number	0000009097
Book / Page	17949 / 224
Instrument Date	Apr 17, 2026
Instrument	2026.9097
Record Updated	Apr 29, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113

Mortgage

Document Number	0000009097,
Date	Apr 21, 2026
Book Page	17949/224
Instrument	2026.9097

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CABARRUS NC
Recording Date	Aug 24, 2020
Property Address	5960 SMITH LAKE RD, MT PLEASANT, NC 28124-9113
Document Number	0014438295
Book / Page	14438 / 295
Instrument Date	Aug 19, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5400 DOE ST, 5400, CONCORD, NC 28025-7902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5960 SMITH LAKE RD, MOUNT PLEASANT, NC 28124-9113

Mortgage

Document Number	0014438298
Date	Aug 24, 2020
Instrument	14438/298

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	6.37%

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$259,880 (-) Land $47,000 Building $212,880
2025		$259,880 Land $47,000 Building $212,880
2024			$259,880 (+78.46%) Land $47,000 Building $212,880
2023	$1,212.00	$145,620 Land $22,500 Building $123,120	$145,620 Land $22,500 Building $123,120

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

Flood

FEMA maps place 5960 Smith Lake Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 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
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	4 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

Wildfire risk around 5960 Smith Lake Rd 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 80% of the US · lower than 76% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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