164 Arroyo Dr, Troy, NC 27371 Property Records

Montgomery County property record for 164 Arroyo Dr, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,707 sqft · built 2015
Lot Size	1.97 acres (85,813 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Apr 2019)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6588 07 79 1245`

Property Details

APN / Parcel Number

Primary APN	`6588 07 79 1245`
Alternative APN	`1481244`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,707 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	85,813 sqft (1.97 acres)
Garage Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1481244
Street Address	164 ARROYO DR
City	TROY
State	NC
Zip	27371-9801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CAROLINA FOREST LOT 276 (277/278/279) CAROLINA FOR #276
Legal Subdivision	CAROLINA FOREST
Legal Lot Number	279-279
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1042
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	2 Individual Names on Record
Mailing Address	164 ARROYO DR, TROY, NC 27371-9801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 12, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 12, 2019 · Amount on Record
Deed Sale	Apr 12, 2019 · Amount on Record
Prior Sale	Jul 25, 2005 · Amount on Record
Deed Document Number	2019358262
Deed Book / Page	824 / 195
Prior Transfer Date	Jul 18, 2014
Prior Transfer Doc	0000338852
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	164 ARROYO DR, TROY, NC 27371-9801
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000895/652
Date	Feb 15, 2022
Book Page	895/652
Instrument	372591

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Apr 12, 2019
Property Address	164 ARROYO DR, TROY, NC 27371-9801
Document Number	00824/0195
Book / Page	0824 / 0195
Map Reference	CAB A SL 598
Instrument Date	Apr 12, 2019
Instrument	358262
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$512.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2312 ROZIER CHURCH RD, 2312, LUMBERTON, NC 28360-8887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 ARROYO DR, TROY, NC 27371-9801

Mortgage

Document Number	0000358263
Date	Apr 12, 2019
Instrument	358263

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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		$255,807 (-) Land $51,712 Building $204,095	$255,807 (-) Land $51,712 Building $204,095
2025	$1,573.00	$255,807 (+12.59%) Land $51,712 Building $204,095	$255,807 (+12.59%) Land $51,712 Building $204,095
2023		$227,195 Land $23,100 Building $204,095	$227,195 Land $23,100 Building $204,095

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
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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 56 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

May also be available: Spectrum.

Cell Coverage

5G (outdoors only)

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