7220 Henry Smith Rd, Saint Pauls, NC 28384 Property Records

Cumberland County property record for 7220 Henry Smith Rd, Saint Pauls, NC 28384

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,012 sqft · built 1989
Lot Size	11 acres (479,160 sqft)
Owner	Individual Name on Record
Last Sale	$135,000 (Apr 2002)
Tax Bill	$2,911 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0430-41-3897`

Property Details

APN / Parcel Number

Primary APN	`0430-41-3897`
Alternative APN	`0430.03413897`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,012 sqft Heated Area
1st Floor Area	2,012 sqft
Utility Area	65 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Traditional
Exterior Material	Combination
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	479,160 sqft (11 acres)
Lot Dimensions	2,412 ft deep x 20 ft wide
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	444 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	7220 HENRY SMITH RD
City	SAINT PAULS
State	NC
Zip	28384
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	W B RIDDLE HEIRS CARROLL-RIDDLE LD LO:7 SE:01 PL:0068-0078
Legal Subdivision	GRAYS CREEK DISTRICT
Legal Tract	7
Legal Block	41
Legal Lot Number	7
Jurisdiction	CUMBERLAND NC
Township / Civil Division	GRAYS CREEK
Census Block Group	3
Census Block	3029
Census Tract	3004

Owner

Source: Cumberland County records, as of December 19, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7198 HENRY SMITH RD, SAINT PAULS, NC 28384-8235
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 2, 2017	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2002 · Amount on Record
Deed Sale	Apr 16, 2002 · Amount on Record
Deed Book / Page	5725 / 883
Last Transfer Date	Nov 23, 2016
Transfer Doc	0099890227
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	7220 HENRY SMITH RD, SAINT PAULS, NC 28384
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0113680377
Date	Jan 18, 2022
Book Page	11368/377
Instrument	2180

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	7198 HENRY SMITH RD, SAINT PAULS, NC 28384-8235
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100300731
Date	Feb 2, 2017
Book Page	10030/731
Instrument	03612

Lender

Name	WELLS FARGO BANK NA

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,911.00 (+18.48%)	$291,635 (+38.48%) Land $84,334 Building $207,301	$291,635 (+38.48%) Land $84,334 Building $207,301
2024	$2,457.00 (+3.11%)	$210,599 (-) Land $49,839 Building $160,760	$210,599 (-) Land $49,839 Building $160,760
2023	$2,383.00 (+3.2%)	$210,599 Land $49,839 Building $160,760	$210,599 Land $49,839 Building $160,760
2022	$2,309.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2025 · 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
Flood Insurance Cost	Premium on Record median of 14 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2016)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2016 · Hurricane Matthew

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

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

Wildfire Risk	High above 73% of the US · above 94% of North Carolina
Wildfire Likelihood	0.3% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

May also be available: AT&T, Brightspeed, Spectrum.

Cell Coverage

5G and 4G LTE (outdoors only)

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