Montgomery County property record for 232 Arroyo Dr, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,876 sqft · built 1989 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Jan 1989) |
| Tax Bill | $3,229 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6588 07 69 1072 |
| Primary APN | 6588 07 69 1072 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 1 Story |
| Building Area | 3,876 sqft Finished Area |
| Basement Area | 1,256 sqft |
| Finished Basement | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 180 ft deep x 142 ft wide |
| Garage Area | 676 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Zoned |
| Account Number | 18491 |
|---|---|
| Street Address | 232 ARROYO DR |
| City | TROY |
| State | NC |
| Zip | 27371-9763 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | CAROLINA FOREST LOT 288 CAROLINA FOR #288 |
| Legal Subdivision | CAROLINA FOREST |
| Legal Lot Number | 288 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | UWHARRIE |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 960301 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 232 ARROYO DR, TROY, NC 27371-9763 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 1, 1989 · Amount on Record |
| Deed Sale | Jan 1, 1989 · Amount on Record |
| Deed Book / Page | 238 / 197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 232 ARROYO DR, TROY, NC 27371-9763 |
| Transaction Type | Mortgage |
| Record Updated | Aug 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000906/268 |
|---|---|
| Date | Jul 20, 2022 |
| Book Page | 906/268 |
| Instrument | 374715 |
| Name | CAPTIAL CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | GLEN ALLEN, VA 23060 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
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 | $523,077 (-) Land $245,376 Building $277,701 | $523,077 (-) Land $245,376 Building $277,701 | |
| 2025 | $3,229.00 | $523,077 (-) Land $245,376 Building $277,701 | $523,077 (-) Land $245,376 Building $277,701 |
| 2023 | $523,077 Land $245,376 Building $277,701 | $523,077 Land $245,376 Building $277,701 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 1 (2023) |
| Most Recent Claim | Jun 2023 · rainfall accumulation |
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 56 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 |
May also be available: Spectrum.
No cell data coverage reported
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