Montgomery County property record for 114 E Chestnut St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,387 sqft · built 1940 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Oct 2018) |
| Tax Bill | $563 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage Mar 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 10 36 6870 |
| Primary APN | 7538 10 36 6870 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,387 sqft Finished Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 13,504 sqft (0.31 acres) |
| Lot Dimensions | 130 ft deep x 68 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1480684 |
|---|---|
| Street Address | 114 E CHESTNUT ST |
| City | TROY |
| State | NC |
| Zip | 27371-3005 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | RUSSELL EAST CHESTNUT |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 960201 |
114 E Chestnut St is owned and occupied by an individual who bought it in October 2018.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 114 E CHESTNUT ST, TROY, NC 27371-3005 |
| 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.
| Date | Document |
|---|---|
| Oct 25, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Mar 24, 2017 | Deed of Trust, Mortgage · FHA Mortgage SUNTRUST MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 25, 2018 · Amount on File |
| Deed Sale | Oct 25, 2018 · Amount on File |
| Prior Sale | Sep 5, 2008 · Amount on File |
| Deed Document Number | 2018356526 |
| Deed Book / Page | 816 / 494 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Oct 25, 2018 |
| Property Address | 114 E CHESTNUT ST, TROY, NC 27371-3005 |
| Document Number | 0816/0494 |
| Book / Page | 0816 / 0494 |
| Instrument Date | Oct 25, 2018 |
| Instrument | 356526 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3075 VASS CARTHAGE RD, 3075, CARTHAGE, NC 28327-7289 |
| Name | Verified Name |
|---|---|
| Address | 114 E CHESTNUT ST, TROY, NC 27371-3005 |
| Document Number | 0816/0498 |
|---|---|
| Date | Oct 25, 2018 |
| Book Page | 0816/0498 |
| Instrument | 356527 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 114 E CHESTNUT ST, TROY, NC 27371-3005 |
| Transaction Type | Mortgage |
| Record Updated | Apr 6, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 349727 |
|---|---|
| Date | Mar 24, 2017 |
| Book Page | 786/723 |
| Instrument | 349727 |
| Name | SUNTRUST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 114 E Chestnut St was $563.
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Municipality | Troy Town |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $91,660 (-) Land $10,744 Building $80,916 | $91,660 (-) Land $10,744 Building $80,916 | |
| 2025 | $563.00 | $91,660 Land $10,744 Building $80,916 | $91,660 Land $10,744 Building $80,916 |
| 2023 | $91,660 Land $10,744 Building $80,916 | $91,660 Land $10,744 Building $80,916 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 114 E Chestnut St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 22, 2018
| 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 114 E Chestnut 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 | Indirect within ember reach |
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 TROY serves 3,591 people · EPA ID NC0362020 |
|---|---|
| Water Source | Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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