1140 Eldorado St, Troy, NC 27371 Property Records

Montgomery County property record for 1140 Eldorado St, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,359 sqft · built 1954
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$104,500 (May 2021)
Tax Bill	$321 (2025)
Deeds & Mortgages	May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7529 20 80 3161`

Property Details

APN / Parcel Number

Primary APN	`7529 20 80 3161`
Alternative APN	`1484175`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,359 sqft Finished Area

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Asbestos
Roof Type	Gable
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1484175
Street Address	1140 ELDORADO ST
City	TROY
State	NC
Zip	27371-9732
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	WEST END SUBDIVISION LOTS 1-3 & 7; SEC C WEST END #1-3 S/C
Legal Subdivision	WEST END SUBDIVISION
Legal Block	C
Legal Lot Number	1-3,7
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	3
Census Block	3040
Census Tract	960202

Owner

Source: Montgomery County records · APN 7529 20 80 3161

Assessment roll updated September 2, 2025 · Last verified May 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 File
Mailing Address	1140 ELDORADO ST, TROY, NC 27371-9732
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 04, 2021 · Amount on Record
Deed Sale	May 04, 2021 · Amount on Record
Prior Sale	Jun 24, 2005 · Amount on Record
Deed Document Number	2021368048
Deed Book / Page	872 / 400
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	May 04, 2021
Property Address	1140 ELDORADO ST, TROY, NC 27371-9732
Document Number	872/400
Book / Page	872 / 400
Map Reference	CAB A SL 151
Instrument Date	Apr 28, 2021
Instrument	368048
Transaction Type	Transfer
Record Updated	May 20, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$209.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 ELDORADO ST, 1140, TROY, NC 27371-9732

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1140 ELDORADO ST, TROY, NC 27371-9732

Mortgage

Document Number	368049
Date	May 04, 2021
Instrument	368049

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated September 2, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Municipality	Troy Town
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$321.00	$52,250 (-) Land $10,800 Building $41,450	$52,250 (-) Land $10,800 Building $41,450
2023		$52,250 Land $10,800 Building $41,450	$52,250 Land $10,800 Building $41,450

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 22, 2018 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 47 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	TOWN OF TROY serves 3,591 people
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

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.