220 Smith Lake Rd, Star, NC 27356 Property Records

Montgomery County property record for 220 Smith Lake Rd, Star, NC 27356

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,568 sqft · built 2000
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (Oct 2021)
Tax Bill	$204 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`7661 00 41 5589`

Property Details

APN / Parcel Number

Primary APN	`7661 00 41 5589`
Alternative APN	`1484985`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,568 sqft Finished Area

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Modular
Exterior Material	Metal
Roof Type	Flat
Roof Material	Galvanized Metal
Lot Area	20,038 sqft (0.46 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1484985
Street Address	220 SMITH LAKE RD
City	STAR
State	NC
Zip	27356-7577
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Legal Description	HUDSON PARCEL A1 HUDSON A1
Jurisdiction	MONTGOMERY NC
Township / Civil Division	STAR
Census Block Group	1
Census Block	1033
Census Tract	960101

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	220 SMITH LAKE RD, STAR, NC 27356-7577
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 28, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Feb 28, 2020 · Amount on Record
Deed Document Number	2021370792
Deed Book / Page	886 / 54
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Oct 18, 2021
Property Address	220 SMITH LAKE RD, STAR, NC 27356-7577
Document Number	0000886/54
Book / Page	886 / 54
Map Reference	CAB G SL 52-D
Instrument Date	Oct 18, 2021
Instrument	370792
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 SMITH LAKE RD, STAR, NC 27356-7577

Mortgage

Document Number	0000370793
Date	Oct 18, 2021
Instrument	370793

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Feb 28, 2020
Property Address	220 SMITH LAKE RD, STAR, NC 27356-7577
Document Number	000842/754
Book / Page	842 / 754
Map Reference	CAB G SL 52-D
Instrument Date	Feb 28, 2020
Instrument	362141
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Tax	$22.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 890, BISCOE, NC 27209-0890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	266 HANNAH DR, BISCOE, NC 27209-9808

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,240 (-) Land $10,350 Building $22,890	$33,240 (-) Land $10,350 Building $22,890
2025	$204.00	$33,240 (-) Land $10,350 Building $22,890	$33,240 (-) Land $10,350 Building $22,890
2023		$33,240 Land $10,350 Building $22,890	$33,240 Land $10,350 Building $22,890

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

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	0.04% 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	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019
Treatment and Procedure	Organic carbon removal Jan 2022
Monitoring and Reporting	10 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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