182 Cardinal Ave, Troy, NC 27371 Property Records

Montgomery County property record for 182 Cardinal Ave, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,240 sqft · built 1972
Lot Size	2.49 acres (108,464 sqft)
Owner	2 Individual Names on File
Last Sale	$155,000 (Sep 2020)
Tax Bill	$1,058 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7631 00 85 2282`

Property Details

APN / Parcel Number

Primary APN	`7631 00 85 2282`
Alternative APN	`1483141`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,240 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	108,464 sqft (2.49 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Zoned

Location & Zoning

Account Number	1483141
Street Address	182 CARDINAL AVE
City	TROY
State	NC
Zip	27371-8518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CRAVEN CRAVEN
Legal Subdivision	ETTA CRAVEN LANDS
Jurisdiction	MONTGOMERY NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1039
Census Tract	960201

Owner

182 Cardinal Ave is owned and occupied by two individuals who bought it in September 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	182 CARDINAL AVE, TROY, NC 27371-8518
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on File
Deed Sale	Sep 15, 2020 · Amount on File
Prior Sale	Jan 1, 1984 · Amount on File
Deed Document Number	2020364681
Deed Book / Page	855 / 615
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Sep 15, 2020
Property Address	182 CARDINAL AVE, TROY, NC 27371-8518
Document Number	855/615
Book / Page	855 / 615
Instrument Date	Sep 9, 2020
Instrument	364681
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	182 CARDINAL AVE, TROY, NC 27371-8518

Mortgage

Document Number	364682
Date	Sep 15, 2020
Instrument	364682

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 182 Cardinal Ave was $1,058.

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		$172,194 (-) Land $13,725 Building $158,469	$172,194 (-) Land $13,725 Building $158,469
2025	$1,058.00	$172,194 Land $13,725 Building $158,469	$172,194 Land $13,725 Building $158,469
2023		$172,194 Land $13,725 Building $158,469	$172,194 Land $13,725 Building $158,469

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

Flood

FEMA maps place 182 Cardinal Ave in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 182 Cardinal Ave is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

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

Nearby Properties on Cardinal Ave

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