175 Substation Rd, Troy, NC 27371 Property Records

Montgomery County property record for 175 Substation Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1980
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on File
Last Sale	$65,000 (Jun 1999)
Tax Bill	$588 (2025)
Deeds & Mortgages	Nov 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`7631 00 81 0789`

Property Details

APN / Parcel Number

Primary APN	`7631 00 81 0789`
Alternative APN	`48198`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,248 sqft Finished Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	38,333 sqft (0.88 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	48198
Street Address	175 SUBSTATION RD
City	TROY
State	NC
Zip	27371-8445
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	ETTA CRAVEN ETTA CRAVEN
Legal Subdivision	I F CRAVEN ESTATE
Jurisdiction	MONTGOMERY NC
Township / Civil Division	LITTLE RIVER
Census Block Group	3
Census Block	3000
Census Tract	960202

Owner

Source: Montgomery County records · APN 7631 00 81 0789

Assessment roll updated September 2, 2025 · Last verified May 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 File
Mailing Address	175 SUBSTATION RD, TROY, NC 27371-8445
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 01, 1999 · Amount on Record
Deed Sale	Jun 01, 1999 · Amount on Record
Deed Book / Page	377 / 285
Record Updated	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	175 SUBSTATION RD, TROY, NC 27371-8445
Transaction Type	Mortgage
Record Updated	Dec 02, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	888/927
Date	Nov 19, 2021
Book Page	888/927
Instrument	371292

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated September 2, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$588.00	$95,740 (-) Land $8,800 Building $86,940	$95,740 (-) Land $8,800 Building $86,940
2023		$95,740 Land $8,800 Building $86,940	$95,740 Land $8,800 Building $86,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 22, 2018 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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 at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Fiber	1,000 / 1,000

Based on FCC filings for 1 locations within half a mile of this property.

Cell Coverage

4G LTE (outdoors only), no 5G reported

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019
Treatment and Procedure	Organic carbon removal Jan 2022
Monitoring and Reporting	10 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.