Montgomery County property record for 1742 River Rd, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,622 sqft · built 2009 |
| Lot Size | 5.51 acres (240,016 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,326 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6588 00 62 6038 |
| Primary APN | 6588 00 62 6038 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,622 sqft Finished Area |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 240,016 sqft (5.51 acres) |
| Garage Area | 506 sqft |
| Cooling System | Central |
|---|
| Account Number | 36921 |
|---|---|
| Street Address | 1742 RIVER RD |
| City | TROY |
| State | NC |
| Zip | 27371-1982 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | DENNIS DENNIS |
| Legal Subdivision | DENNIS |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | UWHARRIE |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 960301 |
1742 River Rd is owned and occupied by two individuals who acquired it in October 2009.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1742 RIVER RD, TROY, NC 27371-1982 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Apr 5, 2023 | Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK |
| May 18, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UWHARRIE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Oct 12, 2009 |
| Transfer Doc | 646/854 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 1742 RIVER RD, TROY, NC 27371-1982 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1742 RIVER RD, TROY, NC 27371-1982 |
| Document Number | 000920/915 |
|---|---|
| Date | Apr 5, 2023 |
| Book Page | 920/915 |
| Instrument | 377731 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28001 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 31, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 1742 RIVER RD, TROY, NC 27371-1982 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 873/551 |
|---|---|
| Date | May 18, 2021 |
| Book Page | 873/551 |
| Instrument | 368266 |
| Name | UWHARRIE BANK |
|---|---|
| Type | Bank |
| Address | ALBEMARLE, NC 28001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 1742 River Rd was $1,326.
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $227,590 (+12.34%) Land $31,687 Building $195,903 | $227,590 (+12.34%) Land $31,687 Building $195,903 | |
| 2025 | $1,326.00 | $202,590 Land $31,687 Building $170,903 | $202,590 Land $31,687 Building $170,903 |
| 2023 | $202,590 Land $31,687 Building $170,903 | $202,590 Land $31,687 Building $170,903 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1742 River Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 risk around 1742 River Rd is low, with a 0.02% 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Fiber | 1,000 / 1,000 |
5G (outdoors only)
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