115 Saunders Rd, Troy, NC 27371 Property Records

Montgomery County property record for 115 Saunders Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,120 sqft · built 1947
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Oct 2017)
Tax Bill	$444 (2025)
Deeds & Mortgages	Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7527 00 27 4096`

Property Details

APN / Parcel Number

Primary APN	`7527 00 27 4096`
Alternative APN	`1479313`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Finished Area
Basement Area	1,120 sqft
Unfinished Basement	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1947
Exterior Material	Brick Veneer
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,621 sqft (0.68 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	1479313
Street Address	115 SAUNDERS RD
City	TROY
State	NC
Zip	27371-8366
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	MORRIS MORRIS
Legal Subdivision	KHAMUNG THONGKHAM
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1109
Census Tract	960202

Owner

115 Saunders Rd is owned and occupied by an individual who bought it in October 2017.

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

Owner of Record	Individual Name on File
Mailing Address	115 SAUNDERS RD, TROY, NC 27371-8366
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2017 · Amount on File
Deed Sale	Oct 31, 2017 · Amount on File
Prior Sale	Sep 8, 2006 · Amount on File
Deed Document Number	2017352454
Deed Book / Page	798 / 717
Prior Transfer Date	Oct 25, 2017
Prior Transfer Doc	0798/0720
Record Updated	Oct 29, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Oct 31, 2017
Property Address	115 SAUNDERS RD, TROY, NC 27371-8366
Document Number	0798/0717
Book / Page	0798 / 0717
Map Reference	MB 572 PG 893
Instrument Date	Oct 25, 2017
Instrument	352454
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 MELILLO AVE, 1, BETHEL, CT 06801-2813

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SAUNDERS RD, TROY, NC 27371-8366

Mortgage

Document Number	0798/0720
Date	Oct 31, 2017
Book Page	0798/0720
Instrument	352455

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 115 Saunders Rd was $444.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,242 (-) Land $11,220 Building $61,022	$72,242 (-) Land $11,220 Building $61,022
2025	$444.00	$72,242 Land $11,220 Building $61,022	$72,242 Land $11,220 Building $61,022
2023		$72,242 Land $11,220 Building $61,022	$72,242 Land $11,220 Building $61,022

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

Flood

FEMA maps place 115 Saunders Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 22, 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	1 in force

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 115 Saunders Rd is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019
Treatment and Procedure	Organic carbon removal Jan 2022
Monitoring and Reporting	10 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 16 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

Cell Coverage

5G and 4G LTE (outdoors only)

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