Montgomery County property record for 208 Taft St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,943 sqft · built 1941 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,628 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Apr 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 11 56 4028 |
| Primary APN | 7538 11 56 4028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,943 sqft Finished Area |
| Basement Area | 1,604 sqft |
| Unfinished Basement | 1,604 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 1941 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 46,609 sqft (1.07 acres) |
| Lot Dimensions | 221 ft deep x 190 ft wide |
| Garage Type | Attached |
| Garage Area | 575 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 1482723 |
|---|---|
| Street Address | 208 TAFT ST |
| City | TROY |
| State | NC |
| Zip | 27371-3334 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SMITHERMAN OLD CANDOR ROAD |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1039 |
| Census Tract | 960202 |
208 Taft St is owned and occupied by two individuals who acquired it in June 2020.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 13, 2019 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Apr 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Mar 4, 2014 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| May 9, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Nov 14, 2016 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 10, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 10, 2020 |
| Transfer Doc | 000848/530 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 00821/0181 |
|---|---|
| Date | Feb 13, 2019 |
| Book Page | 0821/0181 |
| Instrument | 357600 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Mar 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000871/854 |
|---|---|
| Date | Apr 28, 2021 |
| Book Page | 871/854 |
| Instrument | 367926 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | May 1, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.95% |
| Type Change Date | May 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 4.95% |
| Index | 5-Year CMT |
| Max Rate | 8.95% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000731/573 |
|---|---|
| Date | Mar 4, 2014 |
| Book Page | 731/573 |
| Instrument | 337220 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2044 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Index | 1-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000962/143 |
|---|---|
| Date | May 9, 2025 |
| Book Page | 962/143 |
| Instrument | 386402 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000780/186 |
|---|---|
| Date | Nov 14, 2016 |
| Book Page | 780/186 |
| Instrument | 348289 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | TROY, NC 27371 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jun 10, 2020 |
| Property Address | 208 TAFT ST, TROY, NC 27371-3334 |
| Document Number | 000848/530 |
| Book / Page | 848 / 530 |
| Instrument Date | Jun 10, 2020 |
| Instrument | 363286 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 208 TAFT ST, TROY, NC 27371-3334 |
The 2025 property tax bill for 208 Taft St was $1,628.
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Municipality | Troy Town |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $264,850 (-) Land $21,470 Building $243,380 | $264,850 (-) Land $21,470 Building $243,380 | |
| 2025 | $1,628.00 | $264,850 Land $21,470 Building $243,380 | $264,850 Land $21,470 Building $243,380 |
| 2023 | $264,850 Land $21,470 Building $243,380 | $264,850 Land $21,470 Building $243,380 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 208 Taft St in Zone X, an area of minimal flood risk.
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 risk around 208 Taft St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF TROY serves 3,591 people · EPA ID NC0362020 |
|---|---|
| Water Source | Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 154 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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