127 Davis St, Troy, NC 27371 Property Records

Montgomery County property record for 127 Davis St, Troy, NC 27371

Property Summary

Property Type	Manufactured or Modular Home
Details	2 bd · 2 ba · 2,128 sqft · built 2019
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,119 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7529 20 81 9386`

Property Details

APN / Parcel Number

Primary APN	`7529 20 81 9386`
Alternative APN	`1481237`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	2,128 sqft Finished Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	218,236 sqft (5.01 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1481237
Street Address	127 DAVIS ST
City	TROY
State	NC
Zip	27371-9821
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	HARRIS TRACT 1 HARRIS #1
Legal Subdivision	CHRYSTAL DAVIS
Legal Tract	1
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	3
Census Block	3037
Census Tract	960202

Owner

127 Davis St, a residential property, is owned by two individuals who acquired it in April 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	260 SHAW RD, TROY, NC 27371-8435
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

Date	Document
Dec 20, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Apr 12, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Apr 4, 2019
Transfer Doc	0824/0160
Record Updated	Oct 29, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	127 DAVIS ST, TROY, NC 27371-9821
Transaction Type	Mortgage
Record Updated	Jan 3, 2023
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000915/514
Date	Dec 20, 2022
Book Page	915/514
Instrument	376574

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	127 DAVIS ST, TROY, NC 27371-9821
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0838/0337
Date	Dec 2, 2019
Book Page	0838/0337
Instrument	361164

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

April 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Apr 12, 2019
Property Address	127 DAVIS ST, TROY, NC 27371-9821
Document Number	0824/0160
Book / Page	0824 / 0160
Map Reference	CAB G SL 66-A
Instrument Date	Apr 4, 2019
Instrument	358250
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	260 SHAW RD, TROY, NC 27371-8435

Tax Assessment & Valuation

The 2025 property tax bill for 127 Davis St was $1,119.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$182,040 (-) Land $24,627 Building $157,413	$182,040 (-) Land $24,627 Building $157,413
2025	$1,119.00	$182,040 Land $24,627 Building $157,413	$182,040 Land $24,627 Building $157,413
2023		$182,040 Land $24,627 Building $157,413	$182,040 Land $24,627 Building $157,413

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

Flood

FEMA maps place 127 Davis 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

Wildfire risk around 127 Davis St is low, with a 0.03% 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	0.03% 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	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

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, 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 47 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Davis St

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