Montgomery County property record for 164 Capel St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 2022 |
| Lot Size | 0.54 acres (23,522 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $208,000 (Jan 2026) |
| Tax Bill | $771 (2025) |
| Deeds & Mortgages | Sep 2023 Line of Credit Oct 2024 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7539 17 00 0012 |
| Primary APN | 7539 17 00 0012 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,200 sqft Finished Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Galvanized Metal |
| Lot Area | 23,522 sqft (0.54 acres) |
| Lot Dimensions | 150 ft deep x 250 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1491063 |
|---|---|
| Street Address | 164 CAPEL ST |
| City | TROY |
| State | NC |
| Zip | 27371-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SMITHERMAN PARK LOT 73-79 SMITHERMAN PARK #73-79 |
| Legal Subdivision | SMITHERMAN PARK |
| Legal Lot Number | 73-79 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3042 |
| Census Tract | 960202 |
Source: Montgomery County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 2, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Aug 14, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 28, 2026 | Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 28, 2026 · Amount on Record |
| Deed Sale | Jan 28, 2026 · Amount on Record |
| Deed Document Number | 2026389444 |
| Deed Book / Page | 978 / 85 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000930/342 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | 930/342 |
| Instrument | 379701 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2026 |
| Name | Verified Name |
|---|---|
| Address | 164 COVE CT, TROY, NC 27371-9758 |
| Investor | Possibly a Property Investor |
| Document Number | 000950/140 |
|---|---|
| Date | Oct 2, 2024 |
| Book Page | 950/140 |
| Instrument | 383915 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7.37% |
| Index | 5-Year TN |
| Max Rate | 11.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000968/423 |
|---|---|
| Date | Aug 14, 2025 |
| Book Page | 968/423 |
| Instrument | 387591 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jan 28, 2026 |
| Property Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Document Number | 0000978/85 |
| Book / Page | 978 / 85 |
| Map Reference | DOC 01 |
| Instrument Date | Jan 28, 2026 |
| Instrument | 389444 |
| Transaction Type | Transfer |
| Record Updated | Feb 5, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $416.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Name | Verified Name |
|---|---|
| Address | 164 CAPEL ST, TROY, NC 27371-9743 |
| Document Number | 0000389445 |
|---|---|
| Date | Jan 28, 2026 |
| Instrument | 389445 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2046 |
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Municipality | Troy Town |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $125,436 (-) Land $5,092 Building $120,344 | $125,436 (-) Land $5,092 Building $120,344 | |
| 2025 | $771.00 | $125,436 (+10.13%) Land $5,092 Building $120,344 | $125,436 (+10.13%) Land $5,092 Building $120,344 |
| 2023 | $113,897 Land $5,092 Building $108,805 | $113,897 Land $5,092 Building $108,805 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 48% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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