240 Chip Rd, Mount Gilead, NC 27306 Property Records

Montgomery County property record for 240 Chip Rd, Mount Gilead, NC 27306

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 4,482 sqft · built 1988
Lot Size	15 acres (655,578 sqft)
Owner	Individual Name on Record
Last Sale	$345,000 (May 2002)
Tax Bill	$2,051 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7536 00 40 6497`

Property Details

APN / Parcel Number

Primary APN	`7536 00 40 6497`
Alternative APN	`1484679`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	4,482 sqft Finished Area
Basement Area	1,368 sqft
Finished Basement	1,368 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Logs
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	655,578 sqft (15 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1484679
Street Address	240 CHIP RD
City	MOUNT GILEAD
State	NC
Zip	27306-8553
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	VERNON DEBERRY DEBERRY
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	2
Census Block	2020
Census Tract	960502

Owner

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 Record
Mailing Address	240 CHIP RD, MOUNT GILEAD, NC 27306-8553
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Aug 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UWHARRIE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2002 · Amount on Record
Deed Sale	May 1, 2002 · Amount on Record
Deed Book / Page	442 / 318
Last Transfer Date	Aug 5, 2021
Transfer Doc	881/368
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	240 CHIP RD, MOUNT GILEAD, NC 27306-8553
Transaction Type	Mortgage
Record Updated	Mar 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 CHIP RD, MOUNT GILEAD, NC 27306-8553

Mortgage

Document Number	000919/410
Date	Mar 9, 2023
Book Page	919/410
Instrument	377403

Lender

Name	UWHARRIE BANK
Type	Bank
Address	LOCUST, NC 28097

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 8, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Aug 23, 2021
Property Address	240 CHIP RD, MOUNT GILEAD, NC 27306-8553
Document Number	881/368
Book / Page	881 / 368
Map Reference	CAB D SL 111 B
Instrument Date	Aug 5, 2021
Instrument	369839
Transaction Type	Transfer
Record Updated	Sep 8, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 CHIP RD, MOUNT GILEAD, NC 27306-8553

Mortgage

Document Number	369840
Date	Aug 23, 2021
Instrument	369840

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2031

Tax Assessment & Valuation

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$332,854 (-) Land $50,125 Building $282,729	$332,854 (-) Land $50,125 Building $282,729
2025	$2,051.00	$332,854 (-) Land $50,125 Building $282,729	$332,854 (-) Land $50,125 Building $282,729
2023		$332,854 Land $50,125 Building $282,729	$332,854 Land $50,125 Building $282,729

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	2 in force

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

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.

Internet Providers

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
Spectrum Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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