2446 Ophir Rd, Troy, NC 27371 Property Records

Montgomery County property record for 2446 Ophir Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1987
Lot Size	10.7 acres (467,834 sqft)
Owner	2 Individual Names on File
Last Sale	$167,000 (Oct 2019)
Tax Bill	$980 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage Feb 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7603 00 96 9550`

Property Details

APN / Parcel Number

Primary APN	`7603 00 96 9550`
Alternative APN	`1481982`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,544 sqft Finished Area

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	467,834 sqft (10.7 acres)
Garage Area	768 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard

Location & Zoning

Account Number	1481982
Street Address	2446 OPHIR RD
City	TROY
State	NC
Zip	27371-8422
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SIZEMORE SIZEMORE
Jurisdiction	MONTGOMERY NC
Township / Civil Division	OPHIR
Census Block Group	2
Census Block	2008
Census Tract	960302

Owner

2446 Ophir Rd is owned and occupied by two individuals who bought it in October 2019.

Source: Montgomery County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2446 OPHIR RD, TROY, NC 27371-8422
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 20, 2017	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 11, 2019 · Amount on File
Deed Sale	Oct 11, 2019 · Amount on File
Prior Sale	Jan 31, 2014 · Amount on File
Deed Document Number	2019360494
Deed Book / Page	834 / 778
Record Updated	Oct 29, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Oct 11, 2019
Property Address	2446 OPHIR RD, TROY, NC 27371-8422
Document Number	0834/0778
Book / Page	0834 / 0778
Instrument Date	Oct 11, 2019
Instrument	360494
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2114 OPHIR RD, 2114, TROY, NC 27371-8419

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2446 OPHIR RD, TROY, NC 27371-8422

Mortgage

Document Number	360495
Date	Oct 11, 2019
Instrument	360495

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year TN
Max Rate	6%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	2446 OPHIR RD, TROY, NC 27371-8422
Transaction Type	Mortgage
Record Updated	Jun 20, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 349344
Date	Feb 20, 2017
Book Page	785/136
Instrument	349344

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2446 Ophir Rd was $980.

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		$159,454 (-) Land $27,480 Building $131,974	$159,454 (-) Land $27,480 Building $131,974
2025	$980.00	$159,454 Land $27,480 Building $131,974	$159,454 Land $27,480 Building $131,974
2023		$159,454 Land $27,480 Building $131,974	$159,454 Land $27,480 Building $131,974

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

Flood

FEMA maps place 2446 Ophir 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

Wildfire risk around 2446 Ophir 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Randolph Telephone Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Ophir Rd

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