208 Williams St, Troy, NC 27371 Property Records

Montgomery County property record for 208 Williams St, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 868 sqft · built 1925
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on File
Last Sale	$62,000 (Dec 2025)
Tax Bill	$221 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7538 14 34 8103`

Property Details

APN / Parcel Number

Primary APN	`7538 14 34 8103`
Alternative APNs	`1490908` `61179`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	868 sqft Finished Area

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Composition/Composite
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	150 ft deep x 97 ft wide

Utilities, Heating & Cooling

Cooling System	None
Heating System	Heat Pump

Location & Zoning

Account Number	1490908
Street Address	208 WILLIAMS ST
City	TROY
State	NC
Zip	27371-3522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	WATKINS PROP LOTS 123-126; SEC A HOME
Legal Subdivision	WATKINS PROP
Legal Lot Number	123-126
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1038
Census Tract	960202

Owner

208 Williams St is owned and occupied by an individual who bought it in December 2025.

Source: Montgomery County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	208 WILLIAMS ST, TROY, NC 27371-3522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 10, 2025 · Amount on File
Deed Sale	Dec 10, 2025 · Amount on File
Prior Sale	Oct 1, 2002 · Amount on File
Deed Document Number	2025388927
Deed Book / Page	975 / 388
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Dec 10, 2025
Property Address	208 WILLIAMS ST, TROY, NC 27371-3522
Document Number	000975/388
Book / Page	975 / 388
Map Reference	MB 1 PG 26
Instrument Date	Nov 20, 2025
Instrument	388927
Transaction Type	Transfer
Record Updated	Dec 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$124.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6590 US HIGHWAY 311, SOPHIA, NC 27350-8973

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 WILLIAMS ST, TROY, NC 27371-3522

Mortgage

Document Number	0000388928
Date	Dec 10, 2025
Instrument	388928

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.65%
Max Rate At Change	7.65%
Index	5-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

The 2025 property tax bill for 208 Williams St was $221.

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Municipality	Troy Town
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,008 (-) Land $9,700 Building $26,308	$36,008 (-) Land $9,700 Building $26,308
2025	$221.00	$36,008 Land $9,700 Building $26,308	$36,008 Land $9,700 Building $26,308
2023		$36,008 Land $9,700 Building $26,308	$36,008 Land $9,700 Building $26,308

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

Flood

FEMA maps place 208 Williams 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

Wildfire risk around 208 Williams 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Williams St

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