122 Point Oval Ct, Troy, NC 27371 Property Records

Montgomery County property record for 122 Point Oval Ct, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,488 sqft · built 1985
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Sep 2019)
Tax Bill	$1,680 (2025)
Deeds & Mortgages	May 2022 Mortgage Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`6589 20 71 8793`

Property Details

APN / Parcel Number

Primary APN	`6589 20 71 8793`
Alternative APN	`1481912`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,488 sqft Finished Area
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Lot Dimensions	187 ft deep x 203 ft wide
Garage Type	Attached
Garage Area	390 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1481912
Street Address	122 POINT OVAL CT
City	TROY
State	NC
Zip	27371-9718
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CAROLINA FOREST LOT 122 CAROLINA FOR #122
Legal Subdivision	CAROLINA FOREST
Legal Lot Number	122
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1036
Census Tract	960301

Owner

Source: Montgomery County records, as of October 12, 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	223 MULLINS DR, LILLINGTON, NC 27546-9601
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Mar 22, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 26, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Sep 26, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2019 · Amount on Record
Deed Sale	Sep 26, 2019 · Amount on Record
Prior Sale	Feb 27, 2015 · Amount on Record
Deed Document Number	2019360264
Deed Book / Page	833 / 678
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	122 POINT OVAL CT, TROY, NC 27371-9718
Transaction Type	Mortgage
Record Updated	May 11, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000901/447
Date	May 3, 2022
Book Page	901/447
Instrument	373710

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	122 POINT OVAL CT, TROY, NC 27371-9718
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	868/787
Date	Mar 22, 2021
Book Page	868/787
Instrument	367319

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	122 POINT OVAL CT, TROY, NC 27371-9718
Transaction Type	Mortgage
Record Updated	Jul 8, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	850/67
Date	Jun 26, 2020
Book Page	850/67
Instrument	363567

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Sep 26, 2019
Property Address	122 POINT OVAL CT, TROY, NC 27371-9718
Document Number	0833/0678
Book / Page	0833 / 0678
Map Reference	MB 6 PG 24
Instrument Date	Sep 20, 2019
Instrument	360264
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	958 AQUA DR, 958, GALLATIN, TN 37066-4102

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 MULLINS DR, LILLINGTON, NC 27546-9601

Mortgage

Document Number	360265
Date	Sep 26, 2019
Instrument	360265

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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		$318,282 (-) Land $145,145 Building $173,137	$318,282 (-) Land $145,145 Building $173,137
2025	$1,680.00 Veteran's exemption	$318,282 (-) Land $145,145 Building $173,137	$318,282 (-) Land $145,145 Building $173,137
2023		$318,282 Land $145,145 Building $173,137	$318,282 Land $145,145 Building $173,137

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 November 22, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · rainfall accumulation

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

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

No cell data coverage reported

Nearby Properties on Point Oval Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures