192 Ridge Dr, Troy, NC 27371 Property Records

Montgomery County property record for 192 Ridge Dr, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,072 sqft · built 2009
Lot Size	1.24 acres (54,014 sqft)
Owner	2 Individual Names on Record
Last Sale	$886,000 (Sep 2020)
Tax Bill	$6,062 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6588 14 33 1308`

Property Details

APN / Parcel Number

Primary APN	`6588 14 33 1308`
Alternative APN	`1483531`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,072 sqft Finished Area
Basement Area	1,972 sqft
Finished Basement	1,972 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Combination
Foundation Type	Stone
Roof Type	Hip
Roof Material	Asphalt
Lot Area	54,014 sqft (1.24 acres)
Garage Type	Attached
Garage Area	912 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard

Location & Zoning

Account Number	1483531
Street Address	192 RIDGE DR
City	TROY
State	NC
Zip	27371-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	RIDGE ON TILLERY LOT 10 RIDGE ON TILLERY #10
Legal Subdivision	THE RIDGE ON TILLERY LLC
Legal Lot Number	10
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1008
Census Tract	960301

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	2 Individual Names on Record
Mailing Address	192 RIDGE DR, TROY, NC 27371-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Prior Sale	Aug 19, 2016 · Amount on Record
Deed Document Number	2020364726
Deed Book / Page	855 / 883
Prior Transfer Date	Apr 3, 2018
Prior Transfer Doc	0000354255
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Sep 17, 2020
Property Address	192 RIDGE DR, TROY, NC 27371-2015
Document Number	000855/883
Book / Page	855 / 883
Map Reference	CAB E SL 127-B
Instrument Date	Sep 15, 2020
Instrument	364726
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,772.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2019 KENNEDY DR, 2019, INDIAN LAND, SC 29707-0019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 RIDGE DR, TROY, NC 27371-2015

Mortgage

Document Number	0000364727
Date	Sep 17, 2020
Instrument	364727

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

Mortgage

Document Number	000855/898
Date	Sep 17, 2020
Book Page	855/898
Instrument	364728

Lender

Name	TOWER FCU
Type	Credit Union
Address	LAUREL, MD 20707

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$925,512 (-) Land $264,000 Building $661,512	$925,512 (-) Land $264,000 Building $661,512
2025	$6,062.00	$925,512 (-) Land $264,000 Building $661,512	$925,512 (-) Land $264,000 Building $661,512
2023		$925,512 Land $264,000 Building $661,512	$925,512 Land $264,000 Building $661,512

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
Nearest Special Flood Hazard Area	Zone AE, within 100 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

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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