3906 Flat Shoals Rd, Germanton, NC 27019 Property Records

Stokes County property record for 3906 Flat Shoals Rd, Germanton, NC 27019

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,060 sqft · built 2001
Lot Size	5.83 acres (253,955 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,543 (2026)
Deeds & Mortgages	Aug 2016 Mortgage Aug 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`693500524469`

Property Details

APN / Parcel Number

Primary APN	`693500524469`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,060 sqft Heated Area
Attic	Attic
Attic Area	336 sqft
Basement Area	597 sqft
Unfinished Basement	597 sqft
Flooring	Wood

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2005
Exterior Material	Brick
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	253,955 sqft (5.83 acres)
Garage Area	575 sqft

Exterior Amenities

Porch	Slab
Porch Area	190 sqft
Deck Area	240 sqft
Shed	1 Shed
Bath House	Bath House

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Street Address	3906 FLAT SHOALS RD
City	GERMANTON
State	NC
Zip	27019-8931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-A
Jurisdiction	STOKES NC
Township / Civil Division	MEADOWS
Census Block Group	3
Census Block	3007
Census Tract	70600

Owner

Source: Stokes County records, as of September 3, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2016	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS INC
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 4, 2005	Deed of Trust, Mortgage · Stand-Alone Second Mortgage M & I BANK FSB
Oct 4, 2005	Deed of Trust, Mortgage · Conventional Mortgage M & I BANK FSB
Dec 18, 2025	Intrafamily Transfer, Transfer
Aug 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 25, 2015	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Mar 17, 2015
Transfer Doc	0660/2071
Record Updated	Oct 29, 2026

August 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOKES NC
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00676/1598
Date	Aug 22, 2016
Book Page	0676/1598
Instrument	03859

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Sep 1, 2030

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOKES NC
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00722/2158
Date	Aug 24, 2020
Book Page	722/2158
Instrument	4228

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOKES NC
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00538/2125
Date	Oct 4, 2005
Book Page	0538/2125
Instrument	08008

Lender

Name	M & I BANK FSB
Type	Bank
Address	LAS VEGAS, NV 89109

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2020

October 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOKES NC
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00538/2109
Date	Oct 4, 2005
Book Page	0538/2109
Instrument	08007

Lender

Name	M & I BANK FSB
Type	Bank
Address	LAS VEGAS, NV 89108

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2035

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STOKES NC
Recording Date	Dec 18, 2025
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Document Number	000797/730
Book / Page	797 / 730
Map Reference	MB 24 PG 80
Instrument Date	Dec 18, 2025
Instrument	6416
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STOKES NC
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	722/2158
Date	Aug 24, 2020
Book Page	722/2158
Instrument	4228

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

March 2015: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STOKES NC
Recording Date	Mar 25, 2015
Property Address	3906 FLAT SHOALS RD, GERMANTON, NC 27019-8931
Document Number	00660/2071
Book / Page	0660 / 2071
Instrument Date	Mar 17, 2015
Instrument	01385
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Stokes County assessment roll, as of September 3, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Stokes County
Unified School District	Stokes County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,543.00 (-7.59%)	$376,700 (-2.16%) Land $49,400 Building $327,300	$376,700 (-2.16%) Land $49,400 Building $327,300
2025	$2,752.00 (+35.43%)	$385,000 (+40.2%) Land $57,700 Building $327,300	$385,000 (+40.2%) Land $57,700 Building $327,300
2023	$2,032.00	$274,600 (-) Land $46,100 Building $228,500	$274,600 (-) Land $46,100 Building $228,500
2022	$2,032.00	$274,600 Land $46,100 Building $228,500	$274,600 Land $46,100 Building $228,500

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 June 9, 2026

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	Direct burnable vegetation

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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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