Montgomery County property record for 231 Cardinal Ave, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,101 sqft · built 1972 |
| Lot Size | 2.92 acres (127,195 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $31,000 (Jan 1972) |
| Tax Bill | $999 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 7631 00 75 8885 |
| Primary APN | 7631 00 75 8885 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,101 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 127,195 sqft (2.92 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Zoned |
| Account Number | 1189 |
|---|---|
| Street Address | 231 CARDINAL AVE |
| City | TROY |
| State | NC |
| Zip | 27371-8519 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | ETTA CRAVEN ETTA CRAVEN |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | LITTLE RIVER |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 960201 |
231 Cardinal Ave is owned and occupied by two individuals who bought it in January 1972.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 231 CARDINAL AVE, TROY, NC 27371-8519 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1972 · Amount on File |
| Deed Sale | Jan 1, 1972 · Amount on File |
| Deed Book / Page | 168 / 309 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 231 Cardinal Ave was $999.
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $162,480 (-) Land $14,800 Building $147,680 | $162,480 (-) Land $14,800 Building $147,680 | |
| 2025 | $999.00 | $162,480 Land $14,800 Building $147,680 | $162,480 Land $14,800 Building $147,680 |
| 2023 | $162,480 Land $14,800 Building $147,680 | $162,480 Land $14,800 Building $147,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 231 Cardinal Ave 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 231 Cardinal Ave 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 67% of the US · above 43% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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