102 James St, Elkin, NC 28621 Property Records

Surry County property record for 102 James St, Elkin, NC 28621

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,425 sqft · built 1963
Lot Size	0.421 acres (18,339 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Aug 2023)
Tax Bill	$1,391 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Aug 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`4951-13-04-2579`

Property Details

APN / Parcel Number

Primary APN	`4951-13-04-2579`
Alternative APNs	`100127191` `10015539`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,425 sqft Living Area
1st Floor Area	1,225 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Unfinished Basement	2,292 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2008
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,339 sqft (0.421 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100127191
Street Address	102 JAMES ST
City	ELKIN
State	NC
Zip	28621-3220
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	LOT 3 E L BYRD
Legal Subdivision	ELKIN CENTRAL RESIDENTIAL
Legal Lot Number	3
Jurisdiction	SURRY NC
Township / Civil Division	ELKIN
Census Block Group	3
Census Block	3022
Census Tract	930901

Owner

Source: Surry County records, as of September 29, 2026

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	102 JAMES ST, ELKIN, NC 28621-3220
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC
Aug 25, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 25, 2023 · Amount on Record
Deed Sale	Aug 25, 2023 · Amount on Record
Prior Sale	Mar 1, 2023 · Amount on Record
Deed Document Number	2023708718
Deed Book / Page	1866 / 1038
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	102 JAMES ST, ELKIN, NC 28621-3220
Transaction Type	Mortgage
Record Updated	Apr 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001967/467
Date	Mar 19, 2026
Book Page	1967/467
Instrument	732262

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Aug 25, 2023
Property Address	102 JAMES ST, ELKIN, NC 28621-3220
Document Number	01866/1038
Book / Page	1866 / 1038
Instrument Date	Aug 16, 2023
Instrument	708718
Transaction Type	Transfer
Record Updated	Sep 19, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 JAMES ST, ELKIN, NC 28621-3220

Tax Assessment & Valuation

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Surry County
Municipality	Elkin Town
Unified School District	Elkin City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,391.00	$171,370 (-19.21%) Land $15,400 Building $155,970	$171,370 (-19.21%) Land $15,400 Building $155,970
2025	$1,391.00 (+153.83%)	$212,130 (+113.37%) Land $16,500 Building $195,630	$212,130 (+113.37%) Land $16,500 Building $195,630
2023	$548.00	$99,420 Land $15,400 Building $84,020	$99,420 Land $15,400 Building $84,020

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 January 11, 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

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	None beyond ember reach

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	TOWN OF ELKIN serves 4,076 people · EPA ID NC0286020
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Surry Telephone.

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