344 Lucas Rd, Star, NC 27356 Property Records

Montgomery County property record for 344 Lucas Rd, Star, NC 27356

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,815 sqft · built 1981
Lot Size	10.8 acres (473,497 sqft)
Owner	2 Individual Names on Record
Last Sale	$429,000 (Jan 2026)
Tax Bill	$1,222 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`7632 00 97 0839`

Property Details

APN / Parcel Number

Primary APN	`7632 00 97 0839`
Alternative APNs	`1491045` `1487107` `57438`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,308 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Exterior Material	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	473,497 sqft (10.8 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1491045
Street Address	344 LUCAS RD
City	STAR
State	NC
Zip	27356-7681
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	KING KING
Legal Subdivision	KING
Jurisdiction	MONTGOMERY NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1015
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	2 Individual Names on Record
Mailing Address	344 LUCAS RD, STAR, NC 27356-7681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Deed of Trust, Mortgage · Line of Credit THE FIDELITY BANK
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 22, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Mar 22, 2023 · Amount on Record
Deed Document Number	2026389374
Deed Book / Page	977 / 715
Prior Transfer Date	Mar 20, 2023
Prior Transfer Doc	0000920/36
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	344 LUCAS RD, STAR, NC 27356
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 LUCAS RD, STAR, NC 27356

Mortgage

Document Number	000896/288
Date	Feb 23, 2022
Book Page	896/288
Instrument	372702

Lender

Name	THE FIDELITY BANK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Jan 21, 2026
Property Address	344 LUCAS RD, STAR, NC 27356
Document Number	000977/715
Book / Page	977 / 715
Map Reference	CAB H SL 149B
Instrument Date	Jan 21, 2026
Instrument	389374
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 942, TROY, NC 27371-0942

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	344 LUCAS RD, STAR, NC 27356

Mortgage

Document Number	0000389375
Date	Jan 21, 2026
Instrument	389375

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Feb 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Mar 22, 2023
Property Address	344 LUCAS RD, STAR, NC 27356
Document Number	0000920/36
Book / Page	920 / 36
Map Reference	MB 176 PG 422
Instrument Date	Mar 20, 2023
Instrument	377557
Transaction Type	Transfer
Record Updated	Apr 7, 2023

Transaction

Amount	Amount Recorded
Tax	$4.00
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	344 LUCAS DRIVE, TROY, NC 27371

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		$280,950 (+41.38%) Land $34,675 Building $246,275	$280,950 (+41.38%) Land $34,675 Building $246,275
2025	$1,222.00	$198,724 (-) Land $38,275 Building $160,449	$198,724 (-) Land $38,275 Building $160,449
2023		$198,724 Land $38,275 Building $160,449	$198,724 Land $38,275 Building $160,449

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only)

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