32 Ramey Creek Rd, Lowgap, NC 27024 Property Records

Surry County property record for 32 Ramey Creek Rd, Lowgap, NC 27024

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,758 sqft · built 1920
Lot Size	0.92 acres (40,075 sqft)
Owner	Individual Name on File
Last Sale	$130,000 (May 2018)
Tax Bill	$1,064 (2026)
Deeds & Mortgages	May 2018 Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`4050-00-39-6550`

Property Details

APN / Parcel Number

Primary APN	`4050-00-39-6550`
Alternative APN	`100110931`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,298 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2001
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	40,075 sqft (0.92 acres)
Lot Width	153 ft Width
Porch	Slab
Porch Area	240 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	100110931
Street Address	32 RAMEY CREEK RD
City	LOWGAP
State	NC
Zip	27024-8035
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	HIDDEN VALLEY RD
Legal Subdivision	WESTERN MOUNTAINS
Jurisdiction	SURRY NC
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3000
Census Tract	930803

Owner

32 Ramey Creek Rd, a rural home, is owned by an individual who bought it in May 2018.

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	Individual Name on File
Mailing Address	170 OLD HOBDAY LN, BOHANNON, VA 23021-2011
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 9, 2018	Deed of Trust, Mortgage ATLANTIC BAY MORTGAGE GROUP
May 9, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 9, 2018 · Amount on File
Deed Sale	May 9, 2018 · Amount on File
Prior Sale	Aug 1, 1994
Deed Document Number	2018654107
Deed Book / Page	1631 / 754
Record Updated	Oct 29, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	32 RAMEY CREEK RD, LOWGAP, NC 27024-8035
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001631/0000000756
Date	May 9, 2018
Book Page	0000001631/0000000756
Instrument	000000654108

Lender

Name	ATLANTIC BAY MORTGAGE GROUP
Type	Mortgage Company

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	May 9, 2018
Property Address	32 RAMEY CREEK RD, LOWGAP, NC 27024-8035
Document Number	1631/754
Book / Page	1631 / 754
Instrument Date	May 7, 2018
Instrument	000000654107
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32 RAMEY CREEK RD, LOWGAP, NC 27024-8035

Tax Assessment & Valuation

The 2026 property tax bill for 32 Ramey Creek Rd was $1,064, down 2.7% 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	$1,064.00 (-2.74%)	$136,800 (-20.96%) Land $12,000 Building $124,800	$136,800 (-20.96%) Land $12,000 Building $124,800
2025	$1,094.00	$173,070 Land $12,000 Building $161,070	$173,070 Land $12,000 Building $161,070
2023	$755.00	$136,800 Land $12,000 Building $124,800	$136,800 Land $12,000 Building $124,800

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

Flood

FEMA maps place 32 Ramey Creek 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 32 Ramey Creek 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Fastlink Communications Fixed Wireless	100 / 25

Cell Coverage

4G LTE only, no 5G reported

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