Surry County property record for 109 Howard St, Pilot Mountain, NC 27041
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 832 sqft · built 1956 |
| Lot Size | 0.335 acres (14,593 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,018 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 5966-16-82-6679 |
| Primary APN | 5966-16-82-6679 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 832 sqft Living Area |
| 1st Floor Area | 832 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Wood |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 14,593 sqft (0.335 acres) |
| Garage Type | Carport |
| Garage Area | 520 sqft |
| Carport | Carport |
| Carport Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 74026140 |
|---|---|
| Street Address | 109 HOWARD ST |
| City | PILOT MOUNTAIN |
| State | NC |
| Zip | 27041-8660 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | 106 HOWARD ST |
| Legal Subdivision | PILOT F - RESIDENTIAL |
| Jurisdiction | SURRY NC |
| Township / Civil Division | PILOT |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 931200 |
109 Howard St, a single family home, is owned by two individuals.
Source: Surry County records, as of September 29, 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 File |
|---|---|
| Mailing Address | 618 PEPPERIDGE RD, LEWISVILLE, NC 27023-9406 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 16, 2023 | Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK |
| Oct 5, 2018 | Deed of Trust, Mortgage QUICKEN LOAN INC |
| Jul 3, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 109 HOWARD ST, PILOT MOUNTAIN, NC 27041-8660 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 001855/307 |
|---|---|
| Date | May 16, 2023 |
| Book Page | 1855/307 |
| Instrument | 705512 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 109 HOWARD ST, PILOT MOUNTAIN, NC 27041-8660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000001647/0000000582 |
|---|---|
| Date | Oct 5, 2018 |
| Book Page | 0000001647/0000000582 |
| Instrument | 000000657961 |
| Name | QUICKEN LOAN INC |
|---|---|
| Type | Lending Institution |
| Amount | Amount on Record |
|---|---|
| Term | 351 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 109 HOWARD ST, PILOT MOUNTAIN, NC 27041-8660 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1599/0303 |
|---|---|
| Date | Jul 3, 2017 |
| Book Page | 1599/0303 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Jul 1, 2029 |
The 2026 property tax bill for 109 Howard St was $1,018, up 3.1% from the year before.
Source: Surry County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Municipality | Pilot Mountain Town |
| Unified School District | Surry County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,018.00 (+3.14%) | $67,490 (-19.13%) Land $10,800 Building $56,690 | $67,490 (-19.13%) Land $10,800 Building $56,690 |
| 2025 | $987.00 | $83,450 Land $10,800 Building $72,650 | $83,450 Land $10,800 Building $72,650 |
| 2023 | $372.00 | $67,490 Land $10,800 Building $56,690 | $67,490 Land $10,800 Building $56,690 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Howard St in Zone X, an area of minimal flood risk.
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 risk around 109 Howard St 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 | Direct burnable vegetation |
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 | TOWN OF PILOT MOUNTAIN serves 1,976 people · EPA ID NC0286025 |
|---|---|
| Water Source | Purchased surface water from CITY OF MOUNT AIRY |
| Last State Inspection | Jun 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 189 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 2,500 / 2,500 |
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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