294 Whitaker Chapel Rd, Pilot Mountain, NC 27041 Property Records

Surry County property record for 294 Whitaker Chapel Rd, Pilot Mountain, NC 27041

Property Summary

Property Type	Rural Home
Details	4 bd · 3.5 ba · 2,567 sqft · built 1997
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,094 (2026)
Deeds & Mortgages	Sep 2021 Refinance Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`5955-00-99-0223`

Property Details

APN / Parcel Number

Primary APN	`5955-00-99-0223`
Alternative APN	`20265398`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,567 sqft Living Area
1st Floor Area	1,378 sqft
Basement Area	1,385 sqft
Unfinished Basement	1,385 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2004
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	87,120 sqft (2 acres)
Porch	Slab
Porch Area	534 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	20265398
Street Address	294 WHITAKER CHAPEL RD
City	PILOT MOUNTAIN
State	NC
Zip	27041-8407
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RL
Legal Description	LT 2 DEER TRACE SUBDIV PB 13 PG 102
Legal Subdivision	DEER TRACE SUBDIV
Legal Lot Number	2
Jurisdiction	SURRY NC
Township / Civil Division	PILOT
Census Block Group	3
Census Block	3007
Census Tract	931200

Owner

294 Whitaker Chapel Rd, a rural home, is owned and occupied by two individuals who acquired it in January 1990.

Source: Surry County records, as of September 29, 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	2 Individual Names on File
Mailing Address	294 WHITAKER CHAPEL RD, PILOT MOUNTAIN, NC 27041-8407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NATIONSTAR MORTGAGE LLC
Apr 11, 2018	Deed of Trust, Mortgage NATIONSTAR MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 1990
Deed Sale	Jan 1, 1990
Deed Book / Page	483 / 1460
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	294 WHITAKER CHAPEL RD, PILOT MOUNTAIN, NC 27041-8407
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1781/690
Date	Sep 27, 2021
Book Page	1781/690
Instrument	688393

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Oct 1, 2031

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	294 WHITAKER CHAPEL RD, PILOT MOUNTAIN, NC 27041-8407
Transaction Type	Mortgage
Record Updated	May 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001628/0000000678
Date	Apr 11, 2018
Book Page	0000001628/0000000678
Instrument	000000653378

Lender

Name	NATIONSTAR MORTGAGE

Agreement

Amount	Amount on Record
Term	177 Months
Due	Jan 1, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 294 Whitaker Chapel Rd was $2,094, up 6.6% from the year before.

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	$2,094.00 (+6.56%)	$290,240 (-17.09%) Land $42,900 Building $247,340	$290,240 (-17.09%) Land $42,900 Building $247,340
2025	$1,965.00	$350,050 Land $44,550 Building $305,500	$350,050 Land $44,550 Building $305,500
2023	$1,602.00	$290,240 Land $42,900 Building $247,340	$290,240 Land $42,900 Building $247,340

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

Flood

FEMA maps place 294 Whitaker Chapel Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 294 Whitaker Chapel 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF PILOT MOUNTAIN serves 1,976 people · EPA ID NC0286025
Water Source	Purchased surface water from CITY OF MOUNT AIRY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Surry Telephone.

Cell Coverage

5G and 4G LTE (outdoors only)

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