187 Laster Rd, Elkin, NC 28621 Property Records

Surry County property record for 187 Laster Rd, Elkin, NC 28621

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,838 sqft · built 2001
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Last Sale	$169,000 (Jul 2001)
Tax Bill	$1,392 (2026)
Deeds & Mortgages	Jun 2022 Refinance Nov 2021 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4966-00-42-7367`

Property Details

APN / Parcel Number

Primary APN	`4966-00-42-7367`
Alternative APN	`10001041`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,838 sqft Living Area
1st Floor Area	1,110 sqft
Attic	Attic
Attic Area	250 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2015
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	38,768 sqft (0.89 acres)
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	566 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	10001041
Street Address	187 LASTER RD
City	ELKIN
State	NC
Zip	28621-9090
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	LOT 2 PB 17 PG 48
Legal Subdivision	ZEPHYR - UNION CROSS
Legal Lot Number	2
Jurisdiction	SURRY NC
Township / Civil Division	BRYAN
Census Block Group	2
Census Block	2021
Census Tract	930802

Owner

187 Laster Rd, a rural home, is owned and occupied by two individuals who bought it in July 2001.

Source: Surry County records, as of September 29, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	187 LASTER RD, ELKIN, NC 28621-9090
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance LOCAL GOVERNMENT FEDERAL CREDIT UNTION
Nov 16, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance PENNYMAC LOAN SERVICES LLC
Aug 12, 2019	Deed of Trust, Mortgage · FHA Mortgage E MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2001 · Amount on File
Deed Sale	Jul 1, 2001 · Amount on File
Prior Sale	Feb 1, 2001
Deed Book / Page	821 / 663
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	187 LASTER RD, ELKIN, NC 28621-9090
Transaction Type	Mortgage
Record Updated	Jun 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001816/680
Date	Jun 3, 2022
Book Page	1816/680
Instrument	696277

Lender

Name	LOCAL GOVERNMENT FEDERAL CREDIT UNTION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	187 LASTER RD, ELKIN, NC 28621-9090
Transaction Type	Mortgage
Record Updated	Dec 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1789/358
Date	Nov 16, 2021
Book Page	1789/358
Instrument	690063

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2041

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	187 LASTER RD, ELKIN, NC 28621-9090
Transaction Type	Mortgage
Record Updated	Sep 4, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1678/373
Date	Aug 12, 2019
Book Page	1678/373
Instrument	665584

Lender

Name	E MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 187 Laster Rd was $1,392, down 0.7% from the year before.

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	$1,392.00 (-0.71%)	$195,880 (-14.67%) Land $10,800 Building $185,080	$195,880 (-14.67%) Land $10,800 Building $185,080
2025	$1,402.00	$229,550 Land $10,800 Building $218,750	$229,550 Land $10,800 Building $218,750
2023	$1,081.00	$195,880 Land $10,800 Building $185,080	$195,880 Land $10,800 Building $185,080

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

Flood

FEMA maps place 187 Laster Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 187 Laster Rd 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 80% of the US · lower than 76% 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Laster Rd

Nearby Streets

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