385 Mitchells Bend Trl, State Road, NC 28676 Property Records

Surry County property record for 385 Mitchells Bend Trl, State Road, NC 28676

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,914 sqft · built 2017
Lot Size	7.09 acres (308,840 sqft)
Owner	Individual Name on File
Last Sale	$63,000 (Oct 2016)
Tax Bill	$1,713 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4955-00-87-2995`

Property Details

APN / Parcel Number

Primary APN	`4955-00-87-2995`
Alternative APN	`100104072`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,914 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	308,840 sqft (7.09 acres)
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100104072
Street Address	385 MITCHELLS BEND TRL
City	STATE ROAD
State	NC
Zip	28676-9077
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	OFF ZEPHYR MTN PARK R
Legal Subdivision	MTN. PARK - THURMOND
Jurisdiction	SURRY NC
Township / Civil Division	BRYAN
Census Block Group	2
Census Block	2024
Census Tract	930802

Owner

Source: Surry County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	385 MITCHELLS BEND TRL, STATE ROAD, NC 28676-9077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
May 19, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION
Mar 13, 2017	Deed of Trust, Mortgage · Construction Mortgage STATE EMPLOYEES CU
Dec 18, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST RELIANCE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 28, 2016 · Amount on Record
Deed Sale	Oct 28, 2016 · Amount on Record
Deed Document Number	0015721044
Deed Book / Page	1572 / 1044
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	385 MITCHELLS BEND TRL, STATE ROAD, NC 28676-9077
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001949/115
Date	Oct 1, 2025
Book Page	1949/115
Instrument	728150

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	385 MITCHELLS BEND TRL, STATE ROAD, NC 28676-9077
Transaction Type	Mortgage
Record Updated	Jun 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1762/106
Date	May 19, 2021
Book Page	1762/106
Instrument	684148

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	385 MITCHELLS BEND TRL, STATE ROAD, NC 28676-9077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1587/0438
Date	Mar 13, 2017
Book Page	1587/0438
Instrument	643398

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Oct 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	385 MITCHELLS BEND TRL, STATE ROAD, NC 28676-9077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1740/240
Date	Dec 18, 2020
Book Page	1740/240
Instrument	679282

Lender

Name	FIRST RELIANCE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

Tax Assessment & Valuation

Source: Surry County assessment roll, as of January 1, 2025

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
2025	$1,713.00 (+22.53%)	$282,670 (+11.59%) Land $51,760 Building $230,910	$282,670 (+11.59%) Land $51,760 Building $230,910
2023	$1,398.00	$253,320 Land $57,430 Building $195,890	$253,320 Land $57,430 Building $195,890

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 January 11, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 95% of the US · lower than 97.4% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Membership Fiber	1,000 / 1,000

May also be available: Spectrum.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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