Montgomery County property record for 232 Riverbend Rd, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,767 sqft · built 2001 |
| Lot Size | 3 acres (130,680 sqft) |
| Owner | Individual Name on File |
| Last Sale | $200,000 (Aug 2005) |
| Tax Bill | $970 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 6690 00 76 9761 |
| Primary APN | 6690 00 76 9761 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,767 sqft Finished Area |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Logs |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 130,680 sqft (3 acres) |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 72849 |
|---|---|
| Street Address | 232 RIVERBEND RD |
| City | TROY |
| State | NC |
| Zip | 27371-2010 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | SCHUSTER PART OF TRACT 2, TOBIAS TOBIAS #2 |
| Legal Subdivision | BOUNDARY SURVEY |
| Legal Tract | 2 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | UWHARRIE |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 960302 |
232 Riverbend Rd is owned and occupied by an individual who bought it in August 2005.
Source: Montgomery County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 232 RIVERBEND RD, TROY, NC 27371-2010 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 1, 2005 · Amount on File |
| Deed Sale | Aug 1, 2005 · Amount on File |
| Deed Document Number | 2005410315 |
| Deed Book / Page | 541 / 45 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 232 RIVERBEND RD, TROY, NC 27371-2010 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2026 |
| Name | Verified Name |
|---|---|
| Address | 232 RIVERBEND RD, TROY, NC 27371-2010 |
| Document Number | 000978/286 |
|---|---|
| Date | Feb 3, 2026 |
| Book Page | 978/286 |
| Instrument | 389494 |
| Name | ROYAL UNITED MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | INDIANAPOLIS, IN 46256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Feb 1, 2051 |
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 | $157,788 (-) Land $16,800 Building $140,988 | $157,788 (-) Land $16,800 Building $140,988 | |
| 2025 | $970.00 | $157,788 (-) Land $16,800 Building $140,988 | $157,788 (-) Land $16,800 Building $140,988 |
| 2023 | $157,788 Land $16,800 Building $140,988 | $157,788 Land $16,800 Building $140,988 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 232 Riverbend Rd 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 232 Riverbend 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 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
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