Montgomery County property record for 224 E Main St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,798 sqft · built 1937 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $125,000 (Jun 2020) |
| Tax Bill | $782 (2025) |
| Deeds & Mortgages | Jul 2007 Mortgage Jun 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 10 46 1403 |
| Primary APN | 7538 10 46 1403 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,798 sqft Finished Area |
| Basement Area | 1,438 sqft |
| Unfinished Basement | 1,438 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1937 |
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asbestos |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 164 ft deep x 77 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Oil |
| Account Number | 1482752 |
|---|---|
| Street Address | 224 E MAIN ST |
| City | TROY |
| State | NC |
| Zip | 27371-3046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | HOLT MAIN STREET |
| Legal Subdivision | SURVEY JACK THREATT |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 960202 |
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 | 224 E MAIN ST, TROY, NC 27371-3046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2007 | Deed of Trust, Mortgage · Conventional Mortgage COMMUNITYONE BANK NA |
| Jun 17, 2020 | Warranty Deed, Transfer · Commercial Mortgage SHEILA ALLRED |
| Jul 28, 2015 | Warranty Deed, Transfer |
| Mar 17, 2006 | Foreclosure |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 17, 2020 · Amount on Record |
| Deed Sale | Jun 17, 2020 · Amount on Record |
| Deed Document Number | 2020363391 |
| Deed Book / Page | 849 / 70 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 224 E MAIN ST, TROY, NC 27371-3046 |
| Transaction Type | Mortgage |
| Record Updated | May 15, 2026 |
| Name | Verified Name |
|---|
| Document Number | 000596/360 |
|---|---|
| Date | Jul 20, 2007 |
| Book Page | 596/360 |
| Instrument | 307538 |
| Name | COMMUNITYONE BANK NA |
|---|---|
| Type | Bank |
| Address | ASHEBORO, NC 27203 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 1, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jun 17, 2020 |
| Property Address | 224 E MAIN ST, TROY, NC 27371-3046 |
| Document Number | 0000849/70 |
| Book / Page | 849 / 70 |
| Instrument Date | Jun 11, 2020 |
| Instrument | 363391 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $250.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 1454, ROBBINS, NC 27325-1454 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 224 E MAIN ST, TROY, NC 27371-3046 |
| Document Number | 0000363392 |
|---|---|
| Date | Jun 17, 2020 |
| Instrument | 363392 |
| Name | SHEILA ALLRED |
|---|---|
| Type | Private Party |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jul 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jul 28, 2015 |
| Property Address | 224 E MAIN ST, TROY, NC 27371-3046 |
| Document Number | 00756/0521 |
| Book / Page | 0756 / 0521 |
| Map Reference | CAB D SL 76-D |
| Instrument Date | Jul 8, 2015 |
| Instrument | 342983 |
| Transaction Type | Transfer |
| Record Updated | May 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 460 CAGLE RD, SEAGROVE, NC 27341-9521 |
| Document Type | Foreclosure |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Mar 17, 2006 |
| Property Address | 224 E MAIN ST, TROY, NC 27371-3046 |
| Document Number | 00558/0826 |
| Book / Page | 0558 / 0826 |
| Instrument Date | Mar 9, 2006 |
| Instrument | 05584861 |
| Transaction Type | Foreclosure |
| Record Updated | May 15, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Investor | Possibly a Property Investor |
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 | $127,238 (-) Land $12,243 Building $114,995 | $127,238 (-) Land $12,243 Building $114,995 | |
| 2025 | $782.00 | $127,238 (-) Land $12,243 Building $114,995 | $127,238 (-) Land $12,243 Building $114,995 |
| 2023 | $127,238 (-) Land $12,243 Building $114,995 | $127,238 (-) Land $12,243 Building $114,995 | |
| 2022 | $782.00 | $127,238 Land $12,243 Building $114,995 | $127,238 Land $12,243 Building $114,995 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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