Montgomery County property record for 249 Bowles Rd, Mount Gilead, NC 27306
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,188 sqft · built 1978 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $140,000 (Jul 2022) |
| Tax Bill | $465 (2025) |
| Deeds & Mortgages | Oct 2019 Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7532 00 07 0534 |
| Primary APN | 7532 00 07 0534 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,188 sqft Finished Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 280 sqft |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Account Number | 1486155 |
|---|---|
| Street Address | 249 BOWLES RD |
| City | MOUNT GILEAD |
| State | NC |
| Zip | 27306-9589 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | BYRD BYRD |
| Legal Subdivision | BYRD |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | CHEEK CREEK |
| Census Block Group | 2 |
| Census Block | 2052 |
| Census Tract | 960502 |
249 Bowles Rd is owned and occupied by two individuals who bought it in July 2022.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| 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.
| Date | Document |
|---|---|
| Oct 22, 2019 | Deed of Trust, Mortgage · ARM FIDELITY BANK |
| Jul 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 9, 2021 | Warranty Deed, Transfer · Line of Credit THE FIDELITY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 12, 2022 · Amount on File |
| Deed Sale | Jul 12, 2022 · Amount on File |
| Prior Sale | Jul 9, 2021 · Amount on File |
| Deed Document Number | 2022374610 |
| Deed Book / Page | 905 / 772 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00835/0671 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 0835/0671 |
| Instrument | 360627 |
| Name | FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | BISCOE, NC 27209 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jul 12, 2022 |
| Property Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| Document Number | 000905/772 |
| Book / Page | 905 / 772 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 374610 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 412 BOWLES RD, 412, MOUNT GILEAD, NC 27306-8500 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| Document Number | 0000374611 |
|---|---|
| Date | Jul 12, 2022 |
| Instrument | 374611 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.15% |
| Type Change Date | Aug 1, 2027 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 10.1% |
| Index | 5-Year TN |
| Max Rate | 10.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jul 9, 2021 |
| Property Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| Document Number | 000877/617 |
| Book / Page | 877 / 617 |
| Instrument Date | Jul 7, 2021 |
| Instrument | 369081 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 249 BOWLES RD, MOUNT GILEAD, NC 27306-9589 |
| Document Number | 000877/620 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 877/620 |
| Instrument | 369082 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | TROY, NC 27371 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 249 Bowles Rd was $465.
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 | $75,665 (-) Land $8,000 Building $67,665 | $75,665 (-) Land $8,000 Building $67,665 | |
| 2025 | $465.00 | $75,665 Land $8,000 Building $67,665 | $75,665 Land $8,000 Building $67,665 |
| 2023 | $75,665 Land $8,000 Building $67,665 | $75,665 Land $8,000 Building $67,665 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 249 Bowles Rd in Zone X, an area of minimal flood risk.
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 |
|---|---|
| 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 risk around 249 Bowles Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 73% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019 |
|---|---|
| Treatment and Procedure | Organic carbon removal Jan 2022 |
| Monitoring and Reporting | 10 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.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
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