178 Mountain View Ln, Troy, NC 27371 Property Records

Montgomery County property record for 178 Mountain View Ln, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,440 sqft · built 1988
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on File
Last Sale	$5,000 (Apr 2022)
Tax Bill	$3,265 (2025)
Deeds & Mortgages	Apr 2022 Sale Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6588 14 22 7830`

Property Details

APN / Parcel Number

Primary APN	`6588 14 22 7830`
Alternative APNs	`1485845` `70274`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	3,440 sqft Finished Area
Basement Area	1,376 sqft
Finished Basement	1,376 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Lot Dimensions	136 ft deep x 84 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Oil

Location & Zoning

Account Number	1485845
Street Address	178 MOUNTAIN VIEW LN
City	TROY
State	NC
Zip	27371-9771
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	HOLIDAY SHORES LOT 2,541,542&PT 543&544 HOLIDAY SHORES #2+OTHERS
Legal Subdivision	HOLIDAY SHORES
Legal Lot Number	2,541
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1008
Census Tract	960301

Owner

178 Mountain View Ln is owned and occupied by two individuals who bought it in April 2022.

Source: Montgomery County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	178 MOUNTAIN VIEW LN, TROY, NC 27371-9771
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2022	Warranty Deed, Transfer
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 22, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2022 · Amount on File
Deed Sale	Apr 28, 2022 · Amount on File
Prior Sale	Jun 1, 2003 · Amount on File
Deed Document Number	2022373637
Deed Book / Page	901 / 54
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Apr 28, 2022
Property Address	178 MOUNTAIN VIEW LN, TROY, NC 27371-9771
Document Number	0000901/54
Book / Page	901 / 54
Instrument Date	Apr 28, 2022
Instrument	373637
Transaction Type	Transfer
Record Updated	May 11, 2022

Transaction

Amount	Amount on Record
Tax	$10.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	178 MOUNTAIN VIEW LN, TROY, NC 27371-9771

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	178 MOUNTAIN VIEW LN, TROY, NC 27371-9771
Transaction Type	Mortgage
Record Updated	Apr 7, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	869/363
Date	Mar 26, 2021
Book Page	869/363
Instrument	367414

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	178 MOUNTAIN VIEW LN, TROY, NC 27371-9771
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0805/0338
Date	Mar 22, 2018
Book Page	0805/0338
Instrument	353980

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2025 property tax bill for 178 Mountain View Ln was $3,265.

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$498,622 (-) Land $222,000 Building $276,622	$498,622 (-) Land $222,000 Building $276,622
2025	$3,265.00	$498,622 Land $222,000 Building $276,622	$498,622 Land $222,000 Building $276,622
2023		$498,622 Land $222,000 Building $276,622	$498,622 Land $222,000 Building $276,622

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

Flood

FEMA maps place 178 Mountain View Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 178 Mountain View Ln is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.01% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 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
Starlink Satellite	280 / 30
RiverStreet Networks Fixed Wireless	10 / 1

Cell Coverage

5G (outdoors only)

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