192 Shoals Rd, Pinnacle, NC 27043 Property Records

Surry County property record for 192 Shoals Rd, Pinnacle, NC 27043

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,679 sqft · built 1955
Lot Size	0.697 acres (30,361 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (May 2026)
Tax Bill	$1,120 (2026)
Deeds & Mortgages	Jan 2007 Mortgage Jan 2023 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`5965-05-07-6543`

Property Details

APN / Parcel Number

Primary APN	`5965-05-07-6543`
Alternative APN	`100117467`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,679 sqft Living Area
1st Floor Area	1,679 sqft
Basement Area	600 sqft
Unfinished Basement	600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	30,361 sqft (0.697 acres)
Porch	Slab
Porch Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100117467
Street Address	192 SHOALS RD
City	PILOT MOUNTAIN
State	NC
Zip	27041-7562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RL
Legal Description	SHOALS RD
Legal Subdivision	PILOT A - RESIDENTIAL
Jurisdiction	SURRY NC
Township / Civil Division	PILOT
Census Block Group	3
Census Block	3018
Census Tract	931200

Owner

192 Shoals Rd is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jan 30, 2007	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY MORTGAGE
Jan 17, 2023	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION
May 28, 2026	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE
Sep 25, 2020	Warranty Deed, Transfer
Aug 10, 2020	Warranty Deed, Transfer
Jul 15, 2020	Quit Claim Deed, Foreclosure Quitclaim
Sep 26, 2019	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 28, 2026 · Amount on File
Deed Sale	May 28, 2026 · Amount on File
Prior Sale	Sep 25, 2020 · Amount on File
Deed Document Number	2026734096
Deed Book / Page	1975 / 1064
Prior Transfer Date	Jun 25, 2020
Prior Transfer Doc	001717/488
Record Updated	Oct 29, 2026

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01173/0150
Date	Jan 30, 2007
Book Page	1173/0150
Instrument	004408560016

Lender

Name	FIDELITY MORTGAGE
Type	Subprime Lender
Address	WOODBURY, NY 11797

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	362 Months
Due	Mar 1, 2037

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001842/394
Date	Jan 17, 2023
Book Page	1842/394
Instrument	702325

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	May 28, 2026
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Document Number	0000734096
Book / Page	1975 / 1064
Instrument Date	May 11, 2026
Instrument	2026734096
Transaction Type	Transfer
Record Updated	Jun 4, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	192 SHOALS RD, PINNACLE, NC 27043-9147

Mortgage

Document Number	0000734097,
Date	May 28, 2026
Instrument	2026734097

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Sep 25, 2020
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Document Number	001728/190
Book / Page	1728 / 190
Instrument Date	Sep 25, 2020
Instrument	676699
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 KONNOAK VILLAGE CIR, WINSTON SALEM, NC 27127-6100

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Aug 10, 2020
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Document Number	001720/699
Book / Page	1720 / 699
Instrument Date	Aug 4, 2020
Instrument	674980
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 WILLIAMS RD, ADVANCE, NC 27006-7133

July 2020: Quit Claim Deed, Foreclosure

Document Type	Quit Claim Deed
Jurisdiction	SURRY NC
Recording Date	Jul 15, 2020
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Document Number	001717/488
Book / Page	1717 / 488
Instrument Date	Jun 25, 2020
Instrument	674326
Transaction Type	Foreclosure
Record Updated	Oct 31, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 AVENIDE PICO, SAN CLEMENTE, CA 92674-1600

September 2019: Foreclosure

Document Type	Foreclosure
Jurisdiction	SURRY NC
Recording Date	Sep 26, 2019
Property Address	192 SHOALS RD, PINNACLE, NC 27043-9147
Document Number	001683/561
Book / Page	1683 / 561
Instrument Date	Sep 24, 2019
Instrument	666749
Transaction Type	Foreclosure
Record Updated	Sep 13, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 105130, ATLANTA, GA 30348-5130

Tax Assessment & Valuation

The 2026 property tax bill for 192 Shoals Rd was $1,120, up 6.4% 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	$1,120.00 (+6.36%)	$158,260 (-13.39%) Land $17,600 Building $140,660	$158,260 (-13.39%) Land $17,600 Building $140,660
2025	$1,053.00	$182,720 Land $17,600 Building $165,120	$182,720 Land $17,600 Building $165,120
2023	$873.00	$158,260 Land $17,600 Building $140,660	$158,260 Land $17,600 Building $140,660

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

Flood

FEMA maps place 192 Shoals 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 192 Shoals Rd is low, with a 0.02% 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	0.02% 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	TOWN OF PILOT MOUNTAIN serves 1,976 people · EPA ID NC0286025
Water Source	Purchased surface water from CITY OF MOUNT AIRY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 54 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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