Surry County property record for 265 Oak Ln, State Road, NC 28676
| Property Type | Rural Home |
|---|---|
| Details | 4 bd · 2 ba · 3,719 sqft · built 1998 |
| Lot Size | 1.84 acres (80,150 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,268 (2026) |
| Deeds & Mortgages | Jun 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 4963-00-15-2112 |
| Primary APN | 4963-00-15-2112 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,719 sqft Living Area |
| 1st Floor Area | 11,951 sqft |
| Attic | Attic |
| Attic Area | 560 sqft |
| Basement Area | 1,608 sqft |
| Unfinished Basement | 1,608 sqft |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 80,150 sqft (1.84 acres) |
| Garage Area | 910 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Deck Area | 1,364 sqft |
| Patio Area | 630 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 100092435 |
|---|---|
| Street Address | 265 OAK LN |
| City | STATE ROAD |
| State | NC |
| Zip | 28676-8960 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RR |
| Legal Description | LOT 18 OAK LANE DEV |
| Legal Subdivision | ALLEN WOODS-OAK LN |
| Legal Lot Number | 18 |
| Jurisdiction | SURRY NC |
| Township / Civil Division | ELKIN |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 930902 |
265 Oak Ln, a rural home, is owned and occupied by an individual who acquired it in November 2014.
Source: Surry County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 265 OAK LN, STATE ROAD, NC 28676-8960 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 1, 2000 |
| Deed Sale | Sep 1, 2000 |
| Prior Sale | Feb 1, 1998 · Amount on File |
| Deed Book / Page | 783 / 599 |
| Last Transfer Date | Nov 25, 2014 |
| Transfer Doc | 01502/0886 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 265 OAK LN, STATE ROAD, NC 28676-8960 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0001765/11 |
|---|---|
| Date | Jun 4, 2021 |
| Book Page | 1765/11 |
| Instrument | 684719 |
| Name | FIRST NATIONAL BANK OF PENNSYLVANIA |
|---|---|
| Type | Bank |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Jul 1, 2041 |
The 2026 property tax bill for 265 Oak Ln was $3,268, up 4% from the year before.
Source: Surry County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Unified School District | Elkin City Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,268.00 (+4.04%) | $430,910 (-6.31%) Land $28,000 Building $402,910 | $430,910 (-6.31%) Land $28,000 Building $402,910 |
| 2025 | $3,141.00 | $459,940 Land $28,000 Building $431,940 | $459,940 Land $28,000 Building $431,940 |
| 2023 | $2,378.00 | $430,910 Land $28,000 Building $402,910 | $430,910 Land $28,000 Building $402,910 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 265 Oak Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 11, 2026 · 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 | 1 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 265 Oak Ln 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.
Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
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