Montgomery County property record for 225 Spencer St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1920 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Sep 2024) |
| Tax Bill | $190 (2025) |
| Deeds & Mortgages | Mar 2022 Line of Credit Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 06 29 7967 |
| Primary APN | 7538 06 29 7967 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 768 sqft Finished Area |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 6,534 sqft (0.15 acres) |
| Lot Dimensions | 104 ft deep x 53 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Zoned |
| Account Number | 1489232 |
|---|---|
| Street Address | 225 SPENCER ST |
| City | TROY |
| State | NC |
| Zip | 27371-2733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | G.F.MORRIS LOT 1 & 2 BLK J WEST PT MORRIS #1&2 BLK J WEST PT |
| Legal Subdivision | MORRIS HEIRS ESTATE |
| Legal Block | J |
| Legal Lot Number | 1-2 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3043 |
| Census Tract | 960202 |
225 Spencer St is owned and occupied by an individual who bought it in September 2024.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 SPENCER ST, TROY, NC 27371-2733 |
| 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 |
|---|---|
| Mar 10, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 15, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Dec 15, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 23, 2024 · Amount on File |
| Deed Sale | Sep 23, 2024 · Amount on File |
| Prior Sale | Dec 15, 2017 · Amount on File |
| Deed Document Number | 2024383809 |
| Deed Book / Page | 949 / 575 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 225 SPENCER ST, TROY, NC 27371-2733 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000897/429 |
|---|---|
| Date | Mar 10, 2022 |
| Book Page | 897/429 |
| Instrument | 372917 |
| 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 | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 225 SPENCER ST, TROY, NC 27371-2733 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0801/0023 |
|---|---|
| Date | Dec 15, 2017 |
| Book Page | 0801/0023 |
| Instrument | 352977 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Dec 15, 2017 |
| Property Address | 225 SPENCER ST, TROY, NC 27371-2733 |
| Document Number | 0801/0012 |
| Book / Page | 0801 / 0012 |
| Map Reference | MB 1 PG 5 |
| Instrument Date | Dec 4, 2017 |
| Instrument | 352976 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $70.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 131 HOLLY HILLS DR, TROY, NC 27371-9321 |
The 2025 property tax bill for 225 Spencer St was $190.
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 | $30,897 (-) Land $4,558 Building $26,339 | $30,897 (-) Land $4,558 Building $26,339 | |
| 2025 | $190.00 | $30,897 Land $4,558 Building $26,339 | $30,897 Land $4,558 Building $26,339 |
| 2023 | $30,897 Land $4,558 Building $26,339 | $30,897 Land $4,558 Building $26,339 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 225 Spencer St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 22, 2018
| 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 risk around 225 Spencer St is low, with a 0.02% 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 | 0.02% 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 119 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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