401 Lilly St, Troy, NC 27371 Property Records

Montgomery County property record for 401 Lilly St, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,364 sqft · built 1963
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (Mar 2024)
Tax Bill	$687 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Jan 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`7538 13 13 2804`

Property Details

APN / Parcel Number

Primary APN	`7538 13 13 2804`
Alternative APNs	`1484512` `1488536`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,364 sqft Finished Area
Basement Area	981 sqft
Unfinished Basement	981 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Brick Veneer
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,056 sqft (0.69 acres)
Lot Dimensions	200 ft deep x 200 ft wide
Garage Type	Carport
Garage Area	360 sqft
Carport	Carport
Carport Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1488536
Street Address	401 LILLY ST
City	TROY
State	NC
Zip	27371-3174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CURTIS PROP PT OF LT 107 CURTIS PT OF #107
Legal Lot Number	107
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1053
Census Tract	960202

Owner

Source: Montgomery County records, as of October 12, 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	Individual Name on Record
Mailing Address	401 LILLY ST, TROY, NC 27371-3174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 28, 2024	Warranty Deed, Transfer · Conventional Mortgage UWHARRIE BANK
Jan 4, 2024	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jul 20, 2021	Warranty Deed, Transfer NOT AVAILABLE, CAROLINA TITLE
Feb 26, 2020	Intrafamily Transfer, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Jun 12, 2017	Warranty Deed, Transfer · Conventional Mortgage TOWNE BANK MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 28, 2024 · Amount on Record
Deed Sale	Mar 28, 2024 · Amount on Record
Prior Sale	Jul 20, 2021 · Amount on Record
Deed Document Number	2024381794
Deed Book / Page	939 / 781
Prior Transfer Date	Nov 21, 2023
Prior Transfer Doc	000935/557
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Mar 28, 2024
Property Address	401 LILLY ST, TROY, NC 27371-3174
Document Number	000939/781
Book / Page	939 / 781
Map Reference	MB H PG 60D
Instrument Date	Mar 28, 2024
Instrument	381794
Transaction Type	Transfer
Record Updated	Apr 12, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$476.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4841 BEAVER CT, LIBERTY TWP, OH 45011-5278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 LILLY ST, TROY, NC 27371-3174

Mortgage

Document Number	000939/784
Date	Mar 28, 2024
Book Page	939/784
Instrument	381795

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Jan 4, 2024
Property Address	401 LILLY ST, TROY, NC 27371-3174
Document Number	000935/557
Book / Page	935 / 557
Map Reference	MB 2 PG 13
Instrument Date	Nov 21, 2023
Instrument	380860
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4841 BEAVER CT, LIBERTY TWP, OH 45011-5278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4841 BEAVER CT, LIBERTY TWP, OH 45011-5278

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Jul 20, 2021
Property Address	401 LILLY ST, TROY, NC 27371-3174
Document Number	878/477
Book / Page	878 / 477
Instrument Date	Jul 16, 2021
Instrument	369256
Transaction Type	Transfer
Record Updated	Aug 4, 2021
Title Company	NOT AVAILABLE, CAROLINA TITLE

Transaction

Amount	Amount Recorded
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	401 LILLY ST, 401, TROY, NC 27371-3174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4402 GRACELAND CT, RALEIGH, NC 27606-1348

February 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Feb 26, 2020
Property Address	401 LILLY ST, TROY, NC 27371-3174
Document Number	842/504
Book / Page	842 / 504
Instrument Date	Feb 21, 2020
Instrument	362101
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 LILLY ST, TROY, NC 27371-3174

Mortgage

Document Number	362102
Date	Feb 26, 2020
Instrument	362102

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

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

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Jun 12, 2017
Property Address	401 LILLY ST, TROY, NC 27371-3174
Document Number	790/584
Book / Page	790 / 584
Map Reference	MB 81 PG 458&471
Instrument Date	Jun 12, 2017
Instrument	350673
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$243.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1330, ROBBINS, NC 27325-1330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 LILLY ST, TROY, NC 27371-3174

Mortgage

Document Number	790/587
Date	Jun 12, 2017
Book Page	790/587
Instrument	350674

Lender

Name	TOWNE BANK MORTGAGE
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23451

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

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		$111,818 (-) Land $10,822 Building $100,996	$111,818 (-) Land $10,822 Building $100,996
2025	$687.00	$111,818 (-3.13%) Land $10,822 Building $100,996	$111,818 (-3.13%) Land $10,822 Building $100,996
2023		$115,426 Land $14,430 Building $100,996	$115,426 Land $14,430 Building $100,996

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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.

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

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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