322 N Main St, Troy, NC 27371 Property Records

Montgomery County property record for 322 N Main St, Troy, NC 27371

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 1,796 sqft · built 1937
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Feb 2022)
Tax Bill	$368 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7538 06 37 4792`

Property Details

APN / Parcel Number

Primary APN	`7538 06 37 4792`
Alternative APNs	`1485596` `64115`

Interior

Full Baths	1 Bath
Building Area	1,796 sqft Total Area

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1937
Roof Type	Flat
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	1485596
Street Address	322 N MAIN ST
City	TROY
State	NC
Zip	27371-3018
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	RETAIL STO
Legal Description	BLAIR FAMILY JUNQUE ETC
Legal Subdivision	SURVEY FOR BLAIR FAMILY LLC
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	2
Census Block	2046
Census Tract	960201

Owner

322 N Main St, a commercial property, is owned by an individual who bought it in February 2022.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 955, TROY, NC 27371-0955
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 25, 2022 · Amount on File
Deed Sale	Feb 25, 2022 · Amount on File
Prior Sale	Sep 5, 2013 · Amount on File
Deed Document Number	2022372757
Deed Book / Page	896 / 602
Prior Transfer Date	Sep 4, 2013
Prior Transfer Doc	0000335308
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Feb 25, 2022
Property Address	322 N MAIN ST, TROY, NC 27371-3018
Document Number	000896/602
Book / Page	896 / 602
Map Reference	CAB F SL 82-D
Instrument Date	Feb 17, 2022
Instrument	372757
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	320 13 CHESTNUT STREET, 320, TROY, NC 27371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 955, TROY, NC 27371-0955

Mortgage

Document Number	0000372758
Date	Feb 25, 2022
Instrument	372758

Lender

Name	ADA BLAIR
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 322 N Main St was $368.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,959 (-) Land $10,452 Building $49,507	$59,959 (-) Land $10,452 Building $49,507
2025	$368.00	$59,959 Land $10,452 Building $49,507	$59,959 Land $10,452 Building $49,507
2023		$59,959 Land $10,452 Building $49,507	$59,959 Land $10,452 Building $49,507

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

Flood

FEMA maps place 322 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 22, 2018

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 322 N Main St is low, with a 0.01% 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	0.01% 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	TOWN OF TROY serves 3,591 people · EPA ID NC0362020
Water Source	Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 154 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
T-Mobile Fixed Wireless	100 / 20