Surry County property record for 317 Gramar Rd, State Road, NC 28676
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 3,072 sqft · built 1996 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (Jan 2023) |
| Tax Bill | $2,059 (2026) |
| Deeds & Mortgages | Sep 2026 Line of Credit Jan 2023 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4963-00-71-1400 |
| Primary APN | 4963-00-71-1400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,072 sqft Living Area |
| 1st Floor Area | 1,756 sqft |
| Basement Area | 1,756 sqft |
| Finished Basement | 1,316 sqft |
| Unfinished Basement | 440 sqft |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Area | 552 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 324 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 100125601 |
|---|---|
| Street Address | 317 GRAMAR RD |
| City | STATE ROAD |
| State | NC |
| Zip | 28676-8934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | SR 1197 |
| Legal Subdivision | POPLAR SPRINGS |
| Jurisdiction | SURRY NC |
| Township / Civil Division | ELKIN |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 930902 |
317 Gramar Rd, a rural home, is owned and occupied by two individuals who bought it in January 2023.
Source: Surry County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| 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 |
|---|---|
| Sep 10, 2026 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION |
| Jan 19, 2023 | Warranty Deed, Transfer · Stand-Alone First Mortgage LOCAL GOVERNMENT FEDERAL CREDIT UNT |
| Jul 7, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK |
| Apr 23, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance TRUIST BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 19, 2023 · Amount on File |
| Deed Sale | Jan 19, 2023 · Amount on File |
| Prior Sale | May 1, 1997 |
| Deed Document Number | 2023702406 |
| Deed Book / Page | 1842 / 731 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Recording Date | Sep 10, 2026 |
| Property Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Document Number | 0000736877 |
| Book / Page | 1989 / 139 |
| Instrument Date | Sep 3, 2026 |
| Instrument | 2026736877 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Document Number | 0000736877, |
|---|---|
| Date | Sep 10, 2026 |
| Book Page | 1989/139 |
| Instrument | 2026736877 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SURRY NC |
| Recording Date | Jan 19, 2023 |
| Property Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Document Number | 001842/731 |
| Book / Page | 1842 / 731 |
| Instrument Date | Jan 19, 2023 |
| Instrument | 702406 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Document Number | 0000702407 |
|---|---|
| Date | Jan 19, 2023 |
| Instrument | 702407 |
| Name | LOCAL GOVERNMENT FEDERAL CREDIT UNT |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2022 |
| Name | Verified Name |
|---|
| Document Number | 001769/543 |
|---|---|
| Date | Jul 7, 2021 |
| Book Page | 1769/543 |
| Instrument | 685728 |
| Name | TRUIST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 317 GRAMAR RD, STATE ROAD, NC 28676-8934 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1758/560 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 1758/560 |
| Instrument | 683366 |
| Name | TRUIST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 317 Gramar Rd was $2,059, down 2.1% 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 | $2,059.00 (-2.14%) | $225,680 (-21.31%) Land $13,000 Building $212,680 | $225,680 (-21.31%) Land $13,000 Building $212,680 |
| 2025 | $2,104.00 | $286,780 Land $13,000 Building $273,780 | $286,780 Land $13,000 Building $273,780 |
| 2023 | $992.00 | $225,680 Land $13,000 Building $212,680 | $225,680 Land $13,000 Building $212,680 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 317 Gramar Rd 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 317 Gramar 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.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 1,000 / 1,000 |
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