402 Shoals Rd, Pinnacle, NC 27043 Property Records

Surry County property record for 402 Shoals Rd, Pinnacle, NC 27043

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,132 sqft · built 1972
Lot Size	1.61 acres (70,132 sqft)
Owner	2 Individual Names on File
Last Sale	$235,000 (Jul 2021)
Tax Bill	$1,505 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5955-12-95-3731`

Property Details

APN / Parcel Number

Primary APN	`5955-12-95-3731`
Alternative APN	`100120055`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,132 sqft Living Area
1st Floor Area	1,932 sqft
Basement Area	1,448 sqft
Unfinished Basement	1,448 sqft
Flooring	Parquet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1997
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	70,132 sqft (1.61 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	420 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100120055
Street Address	402 SHOALS RD
City	PINNACLE
State	NC
Zip	27043-9124
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RL
Legal Description	SHOALS RF
Legal Subdivision	PILOT A - RESIDENTIAL
Jurisdiction	SURRY NC
Township / Civil Division	PILOT
Census Block Group	3
Census Block	3018
Census Tract	931200

Owner

402 Shoals Rd, a rural home, is owned and occupied by two individuals who bought it in July 2021.

Source: Surry County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	402 SHOALS RD, PINNACLE, NC 27043-9124
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Jul 1, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Aug 23, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2021 · Amount on File
Deed Sale	Jul 1, 2021 · Amount on File
Deed Document Number	2021685612
Deed Book / Page	1768 / 1076
Prior Transfer Date	Aug 23, 2018
Prior Transfer Doc	001642/938
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Recording Date	Aug 20, 2026
Property Address	402 SHOALS RD, PINNACLE, NC 27043-9124
Document Number	0000736309
Book / Page	1986 / 634
Instrument Date	Aug 4, 2026
Instrument	2026736309
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 SHOALS RD, PINNACLE, NC 27043-9124

Mortgage

Document Number	0000736309,
Date	Aug 20, 2026
Book Page	1986/634
Instrument	2026736309

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Jul 1, 2021
Property Address	402 SHOALS RD, PINNACLE, NC 27043-9124
Document Number	01768/1076
Book / Page	1768 / 1076
Instrument Date	Jul 1, 2021
Instrument	685612
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 SHOALS RD, PINNACLE, NC 27043-9124

Mortgage

Document Number	01768/1082
Date	Jul 1, 2021
Book Page	1768/1082
Instrument	685613

Lender

Name	AMERICAN NEIGHBORHOOD MTG ACCEPTANCE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Aug 23, 2018
Property Address	402 SHOALS RD, PINNACLE, NC 27043-9124
Document Number	001642/938
Book / Page	1642 / 938
Instrument Date	Aug 23, 2018
Instrument	000000656865
Transaction Type	Transfer
Record Updated	Jan 17, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1562 MOUNTAINVIEW RD, KING, NC 27021-7701

Tax Assessment & Valuation

The 2026 property tax bill for 402 Shoals Rd was $1,505, up 6.5% from the year before.

Source: Surry County assessment roll, as of September 29, 2026

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
2026	$1,505.00 (+6.51%)	$203,470 (-18.26%) Land $21,980 Building $181,490	$203,470 (-18.26%) Land $21,980 Building $181,490
2025	$1,413.00	$248,920 Land $27,050 Building $221,870	$248,920 Land $27,050 Building $221,870
2023	$1,123.00	$203,470 Land $21,980 Building $181,490	$203,470 Land $21,980 Building $181,490

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

Flood

FEMA maps place 402 Shoals Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 11, 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

Wildfire risk around 402 Shoals Rd is low, with a 0.02% annual chance of 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 PILOT MOUNTAIN serves 1,976 people · EPA ID NC0286025
Water Source	Purchased surface water from CITY OF MOUNT AIRY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 85 locations within half a mile, as of December 31, 2025

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

May also be available: Surry Telephone.

Cell Coverage

5G (outdoors only) and 4G LTE

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