248 N Morgan Rd, Lowgap, NC 27024 Property Records

Surry County property record for 248 N Morgan Rd, Lowgap, NC 27024

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,448 sqft · built 1979
Lot Size	0.94 acres (40,946 sqft)
Owner	Individual Name on Record
Tax Bill	$1,246 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4051-00-56-1188`

Property Details

APN / Parcel Number

Primary APN	`4051-00-56-1188`
Alternative APN	`100114481`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,448 sqft Living Area
1st Floor Area	952 sqft
Basement Area	952 sqft
Finished Basement	952 sqft
Flooring	Ceramic Tile
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2003
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	40,946 sqft (0.94 acres)
Garage Type	Carport
Garage Area	539 sqft
Carport	Carport
Carport Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	180 sqft
Storage Building	38 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100114481
Street Address	248 N MORGAN RD
City	LOWGAP
State	NC
Zip	27024-9763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Subdivision	MOUNTAIN VIEW SUBDIVISION
Jurisdiction	SURRY NC
Township / Civil Division	FRANKLIN
Census Block Group	2
Census Block	2003
Census Tract	930803

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	248 N MORGAN RD, LOWGAP, NC 27024-9763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Quit Claim Deed, Transfer · FHA Mortgage FIRST RELIANCE BANK
Sep 20, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 16, 2026
Deed Sale	Mar 16, 2026
Prior Sale	Sep 20, 2019 · Amount on Record
Deed Document Number	2026732137
Deed Book / Page	1966 / 1003
Prior Transfer Date	Nov 6, 2025
Prior Transfer Doc	0000732137
Record Updated	Oct 29, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SURRY NC
Recording Date	Mar 16, 2026
Property Address	248 N MORGAN RD, LOWGAP, NC 27024-9763
Document Number	01966/1003
Book / Page	1966 / 1003
Instrument Date	Mar 12, 2026
Instrument	732137
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	248 N MORGAN RD, LOWGAP, NC 27024-9763

Mortgage

Document Number	0000732138
Date	Mar 16, 2026
Instrument	732138

Lender

Name	FIRST RELIANCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Sep 20, 2019
Property Address	248 N MORGAN RD, LOWGAP, NC 27024-9763
Document Number	0001683/70
Book / Page	1683 / 70
Instrument Date	Sep 20, 2019
Instrument	666644
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment 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	248 N MORGAN RD, LOWGAP, NC 27024-9763

Mortgage

Document Number	0000666645
Date	Sep 20, 2019
Instrument	666645

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,246.00 (-2.73%)	$177,620 (-13.08%) Land $14,000 Building $163,620	$177,620 (-13.08%) Land $14,000 Building $163,620
2025	$1,281.00 (+30.71%)	$204,360 (+15.05%) Land $14,000 Building $190,360	$204,360 (+15.05%) Land $14,000 Building $190,360
2023	$980.00	$177,620 Land $14,000 Building $163,620	$177,620 Land $14,000 Building $163,620

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 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

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 7 locations within half a mile, as of December 31, 2025

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

May also be available: Fastlink Communications.

Cell Coverage

No cell data coverage reported

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