239 Harris Ave, Elkin, NC 28621 Property Records

Surry County property record for 239 Harris Ave, Elkin, NC 28621

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1963
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$203,000 (May 2026)
Tax Bill	$734 (2026)
Deeds & Mortgages	Jun 2005 Line of Credit Sep 2010 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`4941-16-93-5047`

Property Details

APN / Parcel Number

Primary APN	`4941-16-93-5047`
Alternative APN	`100111926`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft
Unfinished Basement	1,092 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Carport
Garage Area	336 sqft
Carport	Carport
Carport Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	339 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100111926
Street Address	239 HARRIS AVE
City	ELKIN
State	NC
Zip	28621-3217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	LOTS 23-25 & P/O 26 W W HARRIS
Legal Subdivision	ELKIN CENTRAL RESIDENTIAL
Legal Lot Number	23-25
Jurisdiction	SURRY NC
Township / Civil Division	ELKIN
Census Block Group	3
Census Block	3015
Census Tract	930901

Owner

239 Harris Ave is owned and occupied by two individuals who bought it in May 2026.

Source: Surry County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2005	Deed of Trust, Mortgage · Line of Credit YADKIN VALLEY BANK & TRUST COMPANY
Sep 9, 2010	Deed of Trust, Mortgage · Conventional Mortgage YADKIN VALLEY BANK & TRUST COMPANY
May 29, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE GROUP INC
May 29, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE
Sep 17, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CREDIT UNION
Sep 17, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2026 · Amount on File
Deed Sale	May 29, 2026 · Amount on File
Prior Sale	Sep 17, 2018 · Amount on File
Deed Document Number	2026734151
Deed Book / Page	1976 / 331
Record Updated	Oct 29, 2026

June 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01082/0196
Date	Jun 30, 2005
Book Page	1082/0196
Instrument	004096830006

Lender

Name	YADKIN VALLEY BANK & TRUST COMPANY
Type	Bank
Address	ELKIN, NC 28621

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01339/0131
Date	Sep 9, 2010
Book Page	1339/0131
Instrument	580693

Lender

Name	YADKIN VALLEY BANK & TRUST COMPANY
Type	Bank
Address	ELKIN, NC 28621

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2040

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	May 29, 2026
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Document Number	0000734151
Book / Page	1976 / 331
Instrument Date	May 21, 2026
Instrument	2026734151
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,006.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Investor	Possibly a Property Investor

Mortgage

Document Number	0000734152,
Date	May 29, 2026
Instrument	2026734152

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

Mortgage

Document Number	0000734153,
Date	May 29, 2026
Book Page	1976/352
Instrument	2026734153

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	10 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	May 29, 2026
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Document Number	001976/331
Book / Page	1976 / 331
Instrument Date	May 21, 2026
Instrument	2026734151
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$41,006.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Investor	Possibly a Property Investor

Mortgage

Document Number	0000734152,
Date	May 29, 2026
Instrument	2026734152

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000734153,
Date	May 29, 2026
Book Page	1976/352
Instrument	2026734153

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2036

Interest

Max Rate	-1%

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001645/0000000570
Date	Sep 17, 2018
Book Page	0000001645/0000000570
Instrument	000000657502

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Sep 14, 2023
Index	5-Year CMT

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Sep 17, 2018
Property Address	239 HARRIS AVE, ELKIN, NC 28621-3217
Document Number	1645/567
Book / Page	1645 / 567
Instrument Date	Sep 14, 2018
Instrument	000000657501
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 HARRIS AVE, ELKIN, NC 28621-3217

Mortgage

Document Number	0000001645/0000000570
Date	Sep 17, 2018
Book Page	0000001645/0000000570
Instrument	000000657502

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	352 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Sep 14, 2023
Index	5-Year CMT

Tax Assessment & Valuation

The 2026 property tax bill for 239 Harris Ave was $734.

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Surry County
Municipality	Elkin Town
Unified School District	Elkin City Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$734.00	$84,800 (-21.29%) Land $15,400 Building $69,400	$84,800 (-21.29%) Land $15,400 Building $69,400
2025	$734.00	$107,740 Land $16,500 Building $91,240	$107,740 Land $16,500 Building $91,240
2023	$468.00	$84,800 Land $15,400 Building $69,400	$84,800 Land $15,400 Building $69,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 239 Harris Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 11, 2026

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

Wildfire risk around 239 Harris Ave is low, with a 0.01% 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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ELKIN serves 4,076 people · EPA ID NC0286020
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Surry Telephone.

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