3198 NC Highway 731 E, Candor, NC 27229 Property Records

Montgomery County property record for 3198 NC Highway 731 E, Candor, NC 27229

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,386 sqft · built 1993
Lot Size	3.49 acres (152,024 sqft)
Owner	2 Individual Names on File
Tax Bill	$962 (2025)
Deeds & Mortgages	Nov 2020 Line of Credit Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7574 00 46 9851`

Property Details

APN / Parcel Number

Primary APN	`7574 00 46 9851`
Alternative APN	`32565`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,386 sqft Finished Area
Basement Area	1,386 sqft
Unfinished Basement	1,386 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	152,024 sqft (3.49 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Zoned

Location & Zoning

Account Number	32565
Street Address	3198 NC HIGHWAY 731 E
City	CANDOR
State	NC
Zip	27229-8438
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	SCARBORO SCARBORO
Jurisdiction	MONTGOMERY NC
Township / Civil Division	ROCKY SPRINGS
Census Block Group	2
Census Block	2005
Census Tract	960502

Owner

3198 NC Highway 731 E is owned by two individuals who acquired it in January 1992.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 143, CANDOR, NC 27229-0143
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
Nov 13, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 1, 1992
Deed Sale	Jan 1, 1992
Deed Book / Page	253 / 252
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	3198 NC HIGHWAY 731 E, CANDOR, NC 27229-8438
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	859/664
Date	Nov 13, 2020
Book Page	859/664
Instrument	365507

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	3198 NC HIGHWAY 731 E, CANDOR, NC 27229-8438
Transaction Type	Mortgage
Record Updated	May 20, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	845/671
Date	Apr 29, 2020
Book Page	845/671
Instrument	362751

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	May 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 3198 NC Highway 731 E was $962.

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		$156,527 (-) Land $12,980 Building $143,547	$156,527 (-) Land $12,980 Building $143,547
2025	$962.00	$156,527 Land $12,980 Building $143,547	$156,527 Land $12,980 Building $143,547
2023		$156,527 Land $12,980 Building $143,547	$156,527 Land $12,980 Building $143,547

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

Flood

FEMA maps place 3198 NC Highway 731 E 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	2 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 3198 NC Highway 731 E is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 56% of the US · above 78% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on NC Highway 731 E

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