137 Terrace Ave, Elkin, NC 28621 Property Records

Surry County property record for 137 Terrace Ave, Elkin, NC 28621

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,833 sqft · built 1900
Lot Size	6.16 acres (268,330 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,168 (2026)
Deeds & Mortgages	Jul 2020 Refinance
Flood Zone	Zone AE (high risk)
APN	`4951-18-31-2993`

Property Details

APN / Parcel Number

Primary APN	`4951-18-31-2993`
Alternative APN	`75735480`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,833 sqft Living Area
1st Floor Area	2,632 sqft
Basement Area	1,405 sqft
Unfinished Basement	1,405 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1975
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	268,330 sqft (6.16 acres)
Garage Area	1,160 sqft
Patio Area	276 sqft
Storage Building	252 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	75735480
Street Address	137 TERRACE AVE
City	ELKIN
State	NC
Zip	28621-3331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Subdivision	ELKIN G - RESIDENTIAL
Jurisdiction	SURRY NC
Township / Civil Division	ELKIN
Census Block Group	3
Census Block	3023
Census Tract	930901

Owner

Source: Surry County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	137 TERRACE AVE, ELKIN, NC 28621-3331
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	137 TERRACE AVE, ELKIN, NC 28621-3331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1717/68
Date	Jul 13, 2020
Book Page	1717/68
Instrument	674248

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Surry County
Municipality	Elkin Town
Unified School District	Elkin City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,168.00	$252,580 (-22.64%) Land $56,670 Building $195,910	$252,580 (-22.64%) Land $56,670 Building $195,910
2025	$2,168.00 (+55.52%)	$326,510 (+29.27%) Land $56,670 Building $269,840	$326,510 (+29.27%) Land $56,670 Building $269,840
2023	$1,394.00	$252,580 Land $56,670 Building $195,910	$252,580 Land $56,670 Building $195,910

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 January 11, 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Values are read at the parcel center point; 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	Under 0.01% 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 ELKIN serves 4,076 people · EPA ID NC0286020
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 180 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	2,500 / 2,500
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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