Montgomery County property record for 321 S Main St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 3 ba · 4,839 sqft · built 1945 |
| Lot Size | 1.13 acres (49,400 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,299 (2025) |
| Deeds & Mortgages | Aug 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7576 20 71 6714 |
| Primary APN | 7576 20 71 6714 |
|---|---|
| Alternative APN |
|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 4,839 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 49,400 sqft (1.13 acres) |
| Lot Dimensions | 260 ft deep x 190 ft wide |
| Cooling System | None |
|---|
| Account Number | 49637 |
|---|---|
| Street Address | 321 S MAIN ST |
| City | TROY |
| State | NC |
| Zip | 27371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | HEARNE HEARNE |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | BISCOE |
| Census Block Group | 1 |
| Census Block | 1057 |
| Census Tract | 960501 |
Source: Montgomery County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1212 S BURKEHEAD ST, CANDOR, NC 27229-8319 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 2000 |
| Deed Sale | Dec 1, 2000 |
| Deed Book / Page | 405 / 745 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 321 S MAIN ST, CANDOR, NC 27229-8008 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 351644 |
|---|---|
| Date | Aug 28, 2017 |
| Book Page | 795/151 |
| Instrument | 351644 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Candor Town |
| County | Montgomery County |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $260,806 (-) Land $23,826 Building $236,980 | $260,806 (-) Land $23,826 Building $236,980 | |
| 2025 | $3,299.00 | $260,806 (-) Land $23,826 Building $236,980 | $260,806 (-) Land $23,826 Building $236,980 |
| 2023 | $260,806 Land $23,826 Building $236,980 | $260,806 Land $23,826 Building $236,980 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CANDOR serves 875 people · EPA ID NC0362030 |
|---|---|
| Water Source | Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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