2174 Ramey Creek Rd, Lowgap, NC 27024 Property Records

Surry County property record for 2174 Ramey Creek Rd, Lowgap, NC 27024

Property Summary

Property Type	Rural Home
Details	5 bd · 4.5 ba · 5,878 sqft · built 1998
Lot Size	78.4 acres (3,417,282 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Jul 2016)
Tax Bill	$5,543 (2026)
Deeds & Mortgages	Jul 2026 Construction Loan Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4041-04-51-6827`

Property Details

APN / Parcel Number

Primary APN	`4041-04-51-6827`
Alternative APN	`10007916`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	5,878 sqft Living Area
1st Floor Area	12,158 sqft
Attic	Attic
Attic Area	756 sqft
Basement Area	5,247 sqft
Finished Basement	5,247 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,417,282 sqft (78.4 acres)
Garage Area	1,276 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Deck Area	126 sqft
Patio Area	816 sqft
Storage Building	96 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	10007916
Street Address	2174 RAMEY CREEK RD
City	LOWGAP
State	NC
Zip	27024-8032
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	PB 43 PG 114
Jurisdiction	SURRY NC
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3002
Census Tract	930803

Owner

2174 Ramey Creek Rd, a rural home, is owned by two individuals who acquired it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	840 N WILSON RD, LOWGAP, NC 27024-7444
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST COMMUNITY BANK
Oct 11, 2023	Warranty Deed, Transfer
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SURREY BANK & TRUST
Sep 13, 2019	Warranty Deed, Transfer · Stand-Alone Refinance SURREY BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2016 · Amount on File
Deed Sale	Jul 12, 2016 · Amount on File
Deed Book / Page	1562 / 45
Last Transfer Date	Oct 2, 2023
Transfer Doc	001871/972
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Recording Date	Jul 16, 2026
Property Address	2174 RAMEY CREEK RD, LOWGAP, NC 27024-8032
Document Number	0000735363
Book / Page	1982 / 67
Instrument Date	Jul 16, 2026
Instrument	2026735363
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 N WILSON RD, LOWGAP, NC 27024-7444

Mortgage

Document Number	0000735363,
Date	Jul 16, 2026
Book Page	1982/67
Instrument	2026735363

Lender

Name	FIRST COMMUNITY BANK

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate	6.47%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Oct 11, 2023
Property Address	2174 RAMEY CREEK RD, LOWGAP, NC 27024-8032
Document Number	001871/972
Book / Page	1871 / 972
Instrument Date	Oct 2, 2023
Instrument	710145
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	840 N WILSON RD, LOWGAP, NC 27024-7444

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	2174 RAMEY CREEK RD, LOWGAP, NC 27024-8032
Transaction Type	Mortgage
Record Updated	Jun 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001682/327
Date	Sep 13, 2019
Book Page	1682/327

Lender

Name	SURREY BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Sep 13, 2019
Property Address	2174 RAMEY CREEK RD, LOWGAP, NC 27024-8032
Document Number	1682/324
Book / Page	1682 / 324
Instrument Date	Sep 12, 2019
Instrument	666440
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 OUTRIGGER CIR, ROCKLEDGE, FL 32955-7501

Mortgage

Document Number	1682/327
Date	Sep 13, 2019
Book Page	1682/327

Lender

Name	SURREY BANK & TRUST

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 2174 Ramey Creek Rd was $5,543, down 2.8% 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	$5,543.00 (-2.84%)	$779,920 (-16.41%)	$966,680 (-13.75%) Land $229,310 Building $737,370
2025	$5,705.00	$932,980	$1,120,770 Land $247,900 Building $872,870
2023	$5,530.00	$1,137,870	$1,329,200 Land $235,150 Building $1,094,050

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

Flood

FEMA maps place 2174 Ramey Creek 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 2174 Ramey Creek Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	1,000 / 1,000
Fastlink Communications Fixed Wireless	100 / 25

Cell Coverage

No cell data coverage reported

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