982 Carters Rd, Hobbsville, NC 27946 Property Records

Gates County property record for 982 Carters Rd, Hobbsville, NC 27946

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,176 sqft · built 2011
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,956 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-03020`

Property Details

APN / Parcel Number

Primary APN	`10-03020`
Alternative APN	`20359`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,176 sqft Living Area
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Shingle
Lot Area	87,120 sqft (2 acres)
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	174 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Sewer	Septic

Location & Zoning

Account Number	20359
Street Address	982 CARTERS RD
City	HOBBSVILLE
State	NC
Zip	27946-9402
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-1
Legal Description	PT. CARTER
Jurisdiction	GATES NC
Township / Civil Division	MINTONSVILLE
Census Block Group	4
Census Block	4014
Census Tract	970100

Owner

982 Carters Rd is owned and occupied by two individuals who acquired it in May 2011.

Source: Gates County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	982 CARTERS RD, HOBBSVILLE, NC 27946-9402
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
Jan 18, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Jun 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	May 6, 2011
Transfer Doc	291/474
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GATES NC
Property Address	982 CARTERS RD, HOBBSVILLE, NC 27946-9402
Transaction Type	Mortgage
Record Updated	Feb 3, 2022
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000368/718
Date	Jan 18, 2022
Book Page	368/718
Instrument	319370

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	ARVADA, CO 80001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2037

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GATES NC
Property Address	982 CARTERS RD, HOBBSVILLE, NC 27946-9402
Transaction Type	Mortgage
Record Updated	Jul 7, 2021
Title Company	FIRST PRIORITY TITLE COMPANY, FIRST INTEGRITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	364/242
Date	Jun 23, 2021
Book Page	364/242
Instrument	318583

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 982 Carters Rd was $2,956, up 0.7% from the year before.

Source: Gates County assessment roll, as of October 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,956.00 (+0.68%)	$395,073 (-) Land $54,500 Building $340,573	$395,073 (-) Land $54,500 Building $340,573
2025	$2,936.00	$395,073 Land $54,500 Building $340,573	$395,073 Land $54,500 Building $340,573
2023	$2,532.00	$266,908 Land $45,374 Building $221,534	$266,908 Land $45,374 Building $221,534

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

Flood

FEMA maps place 982 Carters Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2016.

Source: FEMA National Flood Hazard Layer, effective December 29, 2018 · 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
Nearby Flood Policies	7 in force
Nearby Flood Claims	3 (2016)
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

Wildfire risk around 982 Carters Rd is low, with a 0.01% 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	0.01% 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.

Drinking Water

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

Water System	GATES COUNTY WATER SYSTEM serves 11,621 people · EPA ID NC0437020
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fybe Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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