Montgomery County property record for 176 Williamson St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,174 sqft · built 1951 |
| Lot Size | 0.77 acres (33,541 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $95,000 (Sep 2019) |
| Tax Bill | $561 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7539 14 43 4366 |
| Primary APN | 7539 14 43 4366 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,174 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1951 |
|---|---|
| Effective Year Built | Effective 1951 |
| Exterior Material | Asbestos |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,541 sqft (0.77 acres) |
| Cooling System | None |
|---|
| Account Number | 1481765 |
|---|---|
| Street Address | 176 WILLIAMSON ST |
| City | TROY |
| State | NC |
| Zip | 27371-2516 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | WALLACE (BOLING) WALLACE |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3014 |
| Census Tract | 960202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Sep 6, 2019 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Nov 1, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 6, 2019 · Amount on Record |
| Deed Sale | Sep 6, 2019 · Amount on Record |
| Prior Sale | Nov 1, 2004 · Amount on Record |
| Deed Document Number | 2019360019 |
| Deed Book / Page | 832 / 406 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|---|
| Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Document Number | 000911/759 |
|---|---|
| Date | Oct 14, 2022 |
| Book Page | 911/759 |
| Instrument | 375839 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Nov 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 10% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Sep 6, 2019 |
| Property Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Document Number | 0832/0406 |
| Book / Page | 0832 / 0406 |
| Instrument Date | Aug 27, 2019 |
| Instrument | 360019 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 516 BOWLES RD, 516, MOUNT GILEAD, NC 27306-8501 |
| Name | Verified Name |
|---|---|
| Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Document Number | 360020 |
|---|---|
| Date | Sep 6, 2019 |
| Instrument | 360020 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 176 WILLIAMSON ST, TROY, NC 27371-2516 |
| Transaction Type | Mortgage |
| Record Updated | Nov 21, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 352460 |
|---|---|
| Date | Nov 1, 2017 |
| Book Page | 0798/0747 |
| Instrument | 352460 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
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 | $91,249 (-) Land $11,088 Building $80,161 | $91,249 (-) Land $11,088 Building $80,161 | |
| 2025 | $561.00 | $91,249 (-) Land $11,088 Building $80,161 | $91,249 (-) Land $11,088 Building $80,161 |
| 2023 | $91,249 Land $11,088 Building $80,161 | $91,249 Land $11,088 Building $80,161 |
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 63% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 44 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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