Montgomery County property record for 403 S Main St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,835 sqft · built 1939 |
| Lot Size | 0.419 acres (18,256 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $30,000 (Jan 1973) |
| Deeds & Mortgages | Dec 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7576 20 71 5573 |
| Primary APN | 7576 20 71 5573 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,835 sqft Finished Area |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,256 sqft (0.419 acres) |
| Lot Dimensions | 163 ft deep x 112 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Zoned |
| Account Number | 19720 |
|---|---|
| Street Address | 403 S MAIN ST |
| City | TROY |
| State | NC |
| Zip | 27371 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | THOMAS HWY 220 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | BISCOE |
| Census Block Group | 1 |
| Census Block | 1054 |
| Census Tract | 960501 |
403 S Main St is owned by two individuals who bought it in January 1973.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | PO BOX 403, CANDOR, NC 27229-0403 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 1, 1973 · Amount on File |
| Deed Sale | Jan 1, 1973 · Amount on File |
| Deed Book / Page | 173 / 393 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 403 S MAIN ST, CANDOR, NC 27229-9042 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2018 |
| Name | Verified Name |
|---|
| Document Number | , 353028 |
|---|---|
| Date | Dec 19, 2017 |
| Book Page | 0801/0309 |
| Instrument | 353028 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | BISCOE, NC 27209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| Municipality | Candor Town |
| County | Montgomery County |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $84,386 (-) Land $11,872 Building $72,514 | $84,386 (-) Land $11,872 Building $72,514 |
| 2025 | $84,386 Land $11,872 Building $72,514 | $84,386 Land $11,872 Building $72,514 |
| 2023 | $84,386 Land $11,872 Building $72,514 | $84,386 Land $11,872 Building $72,514 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 403 S Main St in Zone X, an area of minimal flood risk.
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 |
| Community Rating System | Class 8 (10% premium discount) |
| 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 risk around 403 S Main St is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF CANDOR serves 875 people · EPA ID NC0362030 |
|---|---|
| Water Source | Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2025 Haloacetic acids resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 5 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.
Source: FCC Broadband Data Collection, based on 146 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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