188 Saunders Rd, Troy, NC 27371 Property Records

Montgomery County property record for 188 Saunders Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,376 sqft · built 2018
Lot Size	11.5 acres (503,118 sqft)
Owner	Individual Name on Record
Last Sale	$10,000 (Oct 2015)
Deeds & Mortgages	Apr 2021 Mortgage Jan 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`7527 00 26 2071`

Property Details

APN / Parcel Number

Primary APN	`7527 00 26 2071`
Alternative APN	`1483697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,376 sqft Finished Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Brick Veneer
Roof Type	Hip
Roof Material	Asphalt
Lot Area	503,118 sqft (11.5 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1483697
Street Address	188 SAUNDERS RD
City	TROY
State	NC
Zip	27371-8366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TEDDER TEDDER
Legal Subdivision	BRENDA A KEARNS
Legal Lot Number	1
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1102
Census Tract	960202

Owner

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	188 SAUNDERS RD, TROY, NC 27371-8366
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Commercial Mortgage THE FIDELITY BANK
Jan 15, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2015 · Amount on Record
Deed Sale	Oct 9, 2015 · Amount on Record
Prior Sale	Nov 27, 2012 · Amount on Record
Deed Document Number	2015343898
Deed Book / Page	760 / 579
Last Transfer Date	Jan 7, 2021
Transfer Doc	864/200
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	188 SAUNDERS RD, TROY, NC 27371-8366
Transaction Type	Mortgage
Record Updated	May 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SZAUNDERS RD, TROY, NC 27371-8366

Mortgage

Document Number	872/125
Date	Apr 30, 2021
Book Page	872/125
Instrument	367981

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Jan 15, 2021
Property Address	188 SAUNDERS RD, TROY, NC 27371-8366
Document Number	864/200
Book / Page	864 / 200
Map Reference	CAB E SL 117B
Instrument Date	Jan 7, 2021
Instrument	366379
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 SAUNDERS RD, TROY, NC 27371-8366

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026	$275,996 (-) Land $54,035 Building $221,961	$275,996 (-) Land $54,035 Building $221,961
2025	$275,996 (+2.99%) Land $54,035 Building $221,961	$275,996 (+2.99%) Land $54,035 Building $221,961
2023	$267,996 Land $54,035 Building $213,961	$267,996 Land $54,035 Building $213,961

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 November 22, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

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	0.04% 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

Cell Coverage

5G and 4G LTE (outdoors only)

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