331 Cardinal Ave, Troy, NC 27371 Property Records

Montgomery County property record for 331 Cardinal Ave, Troy, NC 27371

Property Summary

Property Type	Manufactured or Modular Home
Details	3 bd · 2 ba · 1,564 sqft · built 1990
Lot Size	2.8 acres (121,968 sqft)
Owner	Individual Name on Record
Last Sale	$231,500 (Nov 2023)
Tax Bill	$909 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7631 00 87 4279`

Property Details

APN / Parcel Number

Primary APN	`7631 00 87 4279`
Alternative APNs	`1482443` `1486739` `1488035`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,564 sqft Finished Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Modular
Exterior Material	Combination
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	121,968 sqft (2.8 acres)
Garage Area	621 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Zoned

Location & Zoning

Account Number	1488035
Street Address	331 CARDINAL AVE
City	TROY
State	NC
Zip	27371-8520
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	MODULAR HO
Legal Description	CRAVEN CRAVEN
Legal Subdivision	CRAVEN
Jurisdiction	MONTGOMERY NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1038
Census Tract	960201

Owner

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	Individual Name on Record
Mailing Address	331 CARDINAL AVE, TROY, NC 27371-8520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2023	Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Dec 9, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 3, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Mar 30, 2020	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2023 · Amount on Record
Deed Sale	Nov 21, 2023 · Amount on Record
Prior Sale	Dec 9, 2022 · Amount on Record
Deed Document Number	2023380478
Deed Book / Page	933 / 837
Prior Transfer Date	Jan 20, 2017
Prior Transfer Doc	0000349042
Record Updated	Oct 29, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Nov 21, 2023
Property Address	331 CARDINAL AVE, TROY, NC 27371-8520
Document Number	000933/837
Book / Page	933 / 837
Instrument Date	Nov 8, 2023
Instrument	380478
Transaction Type	Transfer
Record Updated	Dec 12, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$463.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	41 WAGON TRL, BLACK MOUNTAIN, NC 28711-2560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 CARDINAL AVE, TROY, NC 27371-8520

Mortgage

Document Number	0000380479
Date	Nov 21, 2023
Instrument	380479

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Dec 9, 2022
Property Address	331 CARDINAL AVE, TROY, NC 27371-8520
Document Number	000914/810
Book / Page	914 / 810
Instrument Date	Nov 22, 2022
Instrument	376462
Transaction Type	Transfer
Record Updated	Dec 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	213 WHEELWRIGHT RD, BARRE, MA 01005-8853

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 CARDINAL AVE, TROY, NC 27371-8520

Mortgage

Document Number	0000376463
Date	Dec 9, 2022
Instrument	376463

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	331 CARDINAL AVE, TROY, NC 27371-8520
Transaction Type	Mortgage
Record Updated	May 20, 2021
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	872/253
Date	May 3, 2021
Book Page	872/253
Instrument	368018

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Mar 30, 2020
Property Address	331 CARDINAL AVE, TROY, NC 27371-8520
Document Number	844/145
Book / Page	844 / 145
Instrument Date	Mar 26, 2020
Instrument	362448
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$304.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 LAKEWOOD DR, 149, ROCKINGHAM, NC 28379-7641

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 CARDINAL AVE, TROY, NC 27371-8520

Mortgage

Document Number	362449
Date	Mar 30, 2020
Instrument	362449

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

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		$147,925 (-) Land $14,500 Building $133,425	$147,925 (-) Land $14,500 Building $133,425
2025	$909.00	$147,925 (-) Land $14,500 Building $133,425	$147,925 (-) Land $14,500 Building $133,425
2023		$147,925 Land $14,500 Building $133,425	$147,925 Land $14,500 Building $133,425

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

Flood

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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019
Treatment and Procedure	Organic carbon removal Jan 2022
Monitoring and Reporting	10 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000

Cell Coverage

5G (outdoors only)

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