194 Border Ln, Pinnacle, NC 27043 Property Records

Surry County property record for 194 Border Ln, Pinnacle, NC 27043

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,594 sqft · built 1998
Lot Size	2.03 acres (88,427 sqft)
Owner	Individual Name on File
Tax Bill	$2,291 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Dec 2021 Refinance
Flood Zone	Zone X (minimal risk)
APN	`5953-00-65-3322`

Property Details

APN / Parcel Number

Primary APN	`5953-00-65-3322`
Alternative APN	`5826450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,594 sqft Living Area
Basement Area	1,664 sqft
Unfinished Basement	1,664 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2012
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Steel Frame/Truss
Roof Material	Wood Shingle
Lot Area	88,427 sqft (2.03 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	438 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	5826450
Street Address	194 BORDER LN
City	PINNACLE
State	NC
Zip	27043-9361
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	OFF BORDER LN
Legal Subdivision	SHOALS RD
Jurisdiction	SURRY NC
Township / Civil Division	SHOALS
Census Block Group	1
Census Block	1015
Census Tract	931103

Owner

Source: Surry County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	194 BORDER LN, PINNACLE, NC 27043-9361
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 20, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 21, 2013
Deed Sale	Oct 21, 2013
Deed Document Number	612281
Deed Book / Page	1463 / 0378
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	194 BORDER LN, PINNACLE, NC 27043-9361
Transaction Type	Mortgage
Record Updated	Jul 11, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001859/115
Date	Jun 19, 2023
Book Page	1859/115
Instrument	706467

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	0.05%
Index	5-Year CMT

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	194 BORDER LN, PINNACLE, NC 27043-9361
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01793/1088
Date	Dec 20, 2021
Book Page	1793/1088
Instrument	691104

Lender

Name	FIRST HORIZON BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Surry County assessment roll, as of January 1, 2025

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
2025	$2,291.00 (+4,222.64%)	$395,460 (+22.86%) Land $21,000 Building $374,460	$395,460 (+22.86%) Land $21,000 Building $374,460
2023	$53.00	$321,880 Land $16,500 Building $305,380	$321,880 Land $16,500 Building $305,380

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Spectrum Cable	1,000 / 1,000
Surry Telephone Membership Fiber	1,000 / 1,000

Cell Coverage

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

Nearby Properties on Border Ln

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