404 Warner Rd, Troy, NC 27371 Property Records

Montgomery County property record for 404 Warner Rd, Troy, NC 27371 · Last verified May 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	5 Baths
Year Built	Built 2001
Square Footage	5,372 sqft Finished Area
Lot Size	2,157,962 sqft (49.5 acres)
Garage	240 sqft
Occupancy	Owner Occupied
Last Sale	$250,000 (1998)

Property Details

APN / Parcel Number

Primary APN	`7528 15 64 8774`
Alternative APN	`43696`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Building Area	5,372 sqft Finished Area
Basement Area	1,028 sqft Basement
Finished Basement	1,028 sqft Finished

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick Veneer Exterior
Roof Construction	Gable Roof Construction
Roof Material	Asphalt Roof
Lot Area	2,157,962 sqft (49.5 acres)
Garage Area	240 sqft Garage

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Heat Pump Heating

Location & Zoning

Account Number	43696
Street Address	404 WARNER RD
City	TROY
State	NC
Zip	27371-8483
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	A. FREEMAN A. FREEMAN
Jurisdiction	MONTGOMERY NC
Minor Civil Division	TROY
Census Blockgroup	2
Census Block	2023
Census Tract	960202

Owner

Source: Montgomery County records · APN 7528 15 64 8774

Assessment roll updated September 2, 2025 · Last verified May 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	404 WARNER RD, TROY, NC 27371-8483
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 01, 1998 · Amount on Record
Deed Sale	Sep 01, 1998 · Amount on Record
Deed Book / Page	362 / 738
Record Refreshed	Jun 08, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	404 WARNER RD, TROY, NC 27371-8483
Transaction Type	Mortgage
Record Updated	Feb 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 WARNER RD, TROY, NC 27371-8483

Mortgage

Document Number	000895/147
Date	Feb 08, 2022
Book Page	895/147
Instrument	372476

Lender

Name	UNITED STATES SMALL BUSINESS ADMIN
Type	Government Agency
Address	BIRMINGHAM, AL 35203

Agreement

Type	Small Business Association Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 10, 2052

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated September 2, 2025 · Last verified May 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	Additional exemption filed	$1,058,454 (-) Land $165,538 Building $892,916	$1,058,454 (-) Land $165,538 Building $892,916
2023		$1,058,454 Land $165,538 Building $892,916	$1,058,454 Land $165,538 Building $892,916

Flood & Wildfire

404 Warner Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Montgomery County (37123C), updated November 22, 2018

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 24th in North Carolina
Wildfire Likelihood	Low — about 1 in 2,778 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.