Montgomery County property record for 232 Ridgeline Rd, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1992 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $711 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6588 08 79 7968 |
| Primary APN | 6588 08 79 7968 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Finished Area |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,246 sqft (0.35 acres) |
| Cooling System | Central |
|---|
| Account Number | 46094 |
|---|---|
| Street Address | 232 RIDGELINE RD |
| City | TROY |
| State | NC |
| Zip | 27371-9762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | CAROLINA FOREST LOT 222 CAROLINA FOR #222 |
| Legal Subdivision | CAROLINA FOREST |
| Legal Lot Number | 222 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | UWHARRIE |
| Census Block Group | 1 |
| Census Block | 1043 |
| Census Tract | 960301 |
232 Ridgeline Rd is owned and occupied by two individuals who acquired it in November 2000.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 232 RIDGELINE RD, TROY, NC 27371-9762 |
| 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 | Nov 1, 2000 |
| Deed Sale | Nov 1, 2000 |
| Deed Book / Page | 404 / 590 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 232 RIDGELINE RD, TROY, NC 27371-9762 |
| Transaction Type | Mortgage |
| Record Updated | Sep 6, 2018 |
| Name | Verified Name |
|---|
| Document Number | 0813/0287 |
|---|---|
| Date | Aug 20, 2018 |
| Book Page | 0813/0287 |
| Instrument | 355795 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2025 property tax bill for 232 Ridgeline Rd was $711.
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 | $113,105 (-) Land $5,250 Building $107,855 | $113,105 (-) Land $5,250 Building $107,855 | |
| 2025 | $711.00 | $113,105 Land $5,250 Building $107,855 | $113,105 Land $5,250 Building $107,855 |
| 2023 | $113,105 Land $5,250 Building $107,855 | $113,105 Land $5,250 Building $107,855 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Ridgeline Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.
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 | 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.
Wildfire risk around 232 Ridgeline Rd 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 | 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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