305 Saunders Rd, Troy, NC 27371 Property Records

Montgomery County property record for 305 Saunders Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,970 sqft · built 1999
Lot Size	6.15 acres (267,894 sqft)
Owner	2 Individual Names on File
Last Sale	$242,000 (May 2018)
Tax Bill	$1,484 (2025)
Deeds & Mortgages	Jul 2026 Mortgage May 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7527 00 35 5155`

Property Details

APN / Parcel Number

Primary APN	`7527 00 35 5155`
Alternative APN	`1480193`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,970 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	267,894 sqft (6.15 acres)
Garage Area	1,200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1480193
Street Address	305 SAUNDERS RD
City	TROY
State	NC
Zip	27371-8368
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	DEER RUN EST LOT 11 & PT OF 10 DEER RUN EST #11 & PT 10
Legal Subdivision	DEER RUN EST
Legal Lot Number	11
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1109
Census Tract	960202

Owner

305 Saunders Rd is owned and occupied by two individuals who bought it in May 2018.

Source: Montgomery County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 SAUNDERS RD, TROY, NC 27371-8368
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
May 24, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Feb 27, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2018 · Amount on File
Deed Sale	May 24, 2018 · Amount on File
Prior Sale	Feb 27, 2017 · Amount on File
Deed Document Number	2018354724
Deed Book / Page	808 / 658
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Recording Date	Jul 1, 2026
Property Address	305 SAUNDERS RD, TROY, NC 27371-8368
Document Number	0000391335
Book / Page	987 / 506
Instrument Date	Jun 25, 2026
Instrument	2026391335
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SAUNDERS RD, TROY, NC 27371-8368
Investor	Possibly a Property Investor

Mortgage

Document Number	0000391335,
Date	Jul 1, 2026
Book Page	987/506
Instrument	2026391335

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.65%
Initial Type	Fixed Rate
Max Rate	-1%

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	May 24, 2018
Property Address	305 SAUNDERS RD, TROY, NC 27371-8368
Document Number	00808/0658
Book / Page	0808 / 0658
Map Reference	CABF SL190-C
Instrument Date	May 14, 2018
Instrument	354724
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$484.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4909 YAUPON CIR, 4909, MYRTLE BEACH, SC 29575-4511

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 SAUNDERS RD, TROY, NC 27371-8368
Investor	Possibly a Property Investor

Mortgage

Document Number	0000354725
Date	May 24, 2018
Instrument	354725

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Feb 27, 2017
Property Address	305 SAUNDERS RD, TROY, NC 27371-8368
Document Number	000785/540
Book / Page	785 / 540
Instrument Date	Feb 27, 2017
Instrument	349430
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5297 WOODRUN ON TILLERY, 5297, MOUNT GILEAD, NC 27306-9593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4909 YAUPON CIR, MYRTLE BEACH, SC 29575-4511

Tax Assessment & Valuation

The 2025 property tax bill for 305 Saunders Rd was $1,484.

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$241,385 (-) Land $20,150 Building $221,235	$241,385 (-) Land $20,150 Building $221,235
2025	$1,484.00	$241,385 Land $20,150 Building $221,235	$241,385 Land $20,150 Building $221,235
2023		$241,385 Land $20,150 Building $221,235	$241,385 Land $20,150 Building $221,235

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

Flood

FEMA maps place 305 Saunders 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	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

Wildfire risk around 305 Saunders Rd is low, with a 0.04% 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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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