295 Watershed Rd, Lowgap, NC 27024 Property Records

Surry County property record for 295 Watershed Rd, Lowgap, NC 27024 · Last verified April 2026

Property Summary

Property Type	Rural Home
Details	2 bd · 1 ba · 1,032 sqft · built 1964
Lot Size	5.1 acres (222,156 sqft)
Owner	Individual Name on File
Tax Bill	$692 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`4082-00-14-7651`

Property Details

APN / Parcel Number

Primary APN	`4082-00-14-7651`
Alternative APN	`77887500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Living Area
1st Floor Area	1,032 sqft
Basement Area	720 sqft
Unfinished Basement	720 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1991
Exterior Material	Brick Veneer
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	222,156 sqft (5.1 acres)
Porch	Slab
Porch Area	461 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77887500
Street Address	295 WATERSHED RD
City	LOWGAP
State	NC
Zip	27024-7439
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Subdivision	STEWARTS CREEK
Jurisdiction	SURRY NC
Township / Civil Division	STEWARTS CREEK
Census Block Group	1
Census Block	1003
Census Tract	930803

Owner

Source: Surry County records · APN 4082-00-14-7651

Assessment roll updated November 24, 2025 · Last verified April 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 File
Mailing Address	295 WATERSHED RD, LOWGAP, NC 27024-7439
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 11, 2005
Transfer Doc	1061/1054
Record Updated	Jun 08, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	295 WATERSHED RD, LOWGAP, NC 27024-7439
Transaction Type	Mortgage
Record Updated	Dec 26, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 0016170734
Date	Dec 19, 2017
Book Page	1617/0734

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2048

Tax Assessment & Valuation

Source: Surry County records · Assessment roll updated November 24, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$692.00 (+48.18%)	$106,970 (+26.4%) Land $16,000 Building $90,970	$106,970 (+26.4%) Land $16,000 Building $90,970
2023	$467.00	$84,630 Land $16,000 Building $68,630	$84,630 Land $16,000 Building $68,630

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Surry County (37171C), updated January 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.