177 Cottage Dr, Mount Airy, NC 27030 Property Records

Surry County property record for 177 Cottage Dr, Mount Airy, NC 27030

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,179 sqft · built 1976
Lot Size	3.11 acres (135,472 sqft)
Owner	Individual Name on Record
Tax Bill	$1,877 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`5949-00-11-4686`

Property Details

APN / Parcel Number

Primary APN	`5949-00-11-4686`
Alternative APN	`65330640`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,179 sqft Living Area
1st Floor Area	1,963 sqft
Basement Area	1,798 sqft
Unfinished Basement	1,798 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1995
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	135,472 sqft (3.11 acres)
Lot Width	341 ft Width
Garage Area	471 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Porch	Slab
Porch Area	216 sqft
Deck Area	562 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	65330640
Street Address	177 COTTAGE DR
City	MOUNT AIRY
State	NC
Zip	27030-8179
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	1231 OFF COTTAGE DR
Legal Subdivision	HOLLYSPRINGS
Jurisdiction	SURRY NC
Township / Civil Division	MOUNT AIRY
Census Block Group	1
Census Block	1000
Census Tract	930202

Owner

Source: Surry County records, as of September 29, 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	177 COTTAGE DR, MOUNT AIRY, NC 27030-8179
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2026	Deed of Trust · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY
Apr 30, 2026	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 24, 2005
Transfer Doc	1065/0123
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Recording Date	Apr 30, 2026
Property Address	177 COTTAGE DR, MOUNT AIRY, NC 27030-8179
Document Number	0000733377
Book / Page	1972 / 800
Instrument Date	Apr 17, 2026
Instrument	2026.733377
Record Updated	May 8, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 COTTAGE DR, MOUNT AIRY, NC 27030-8179

Mortgage

Document Number	0000733377,
Date	Apr 30, 2026
Book Page	1972/800
Instrument	2026.733377

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Recording Date	Apr 30, 2026
Property Address	177 COTTAGE DR, MOUNT AIRY, NC 27030-8179
Document Number	001972/800
Book / Page	1972 / 800
Instrument Date	Apr 17, 2026
Instrument	2026733377
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	177 COTTAGE DR, MOUNT AIRY, NC 27030-8179

Mortgage

Document Number	0000733377,
Date	Apr 30, 2026
Book Page	1972/800
Instrument	2026733377

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,877.00 (-0.48%)	$205,910 (-24.67%) Land $26,280 Building $179,630	$205,910 (-24.67%) Land $26,280 Building $179,630
2025	$1,886.00 (+53.08%)	$273,330 (+32.74%) Land $28,300 Building $245,030	$273,330 (+32.74%) Land $28,300 Building $245,030
2023	$1,232.00	$205,910 Land $26,280 Building $179,630	$205,910 Land $26,280 Building $179,630

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 January 11, 2026

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.

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Fastlink Communications Fixed Wireless	100 / 25

May also be available: Surry Telephone.

Nearby Properties on Cottage Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures