Montgomery County property record for 406 Eldorado St, #412, Troy, NC 27371
| Property Type | Commercial |
|---|---|
| Details | 2 bd · 2 ba · 1,088 sqft · built 2015 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $9,000 (Sep 2014) |
| Tax Bill | $1,111 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 05 17 9767 |
| Primary APN | 7538 05 17 9767 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,088 sqft Total Area |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 115 ft deep x 90 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Account Number | 20120 |
|---|---|
| Street Address | 406 ELDORADO ST, 412 |
| City | TROY |
| State | NC |
| Zip | 27371-2624 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SMITHERMAN COTTON MILLS LOT 20 SMITHERMAN C.M. #20 |
| Legal Subdivision | CALVINE MILLS INC PROPERTY |
| Legal Lot Number | 20 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 3 |
| Census Block | 3055 |
| Census Tract | 960202 |
406 Eldorado St, #412 is owned by two individuals who bought it in September 2014.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 636 DAIRY RD, TROY, NC 27371-8304 |
| 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 | Sep 11, 2014 · Amount on File |
| Deed Sale | Sep 11, 2014 · Amount on File |
| Deed Document Number | 2014339525 |
| Deed Book / Page | 741 / 501 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 406 Eldorado St, #412 was $1,111.
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Municipality | Troy Town |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $180,790 (-) Land $6,075 Building $174,715 | $180,790 (-) Land $6,075 Building $174,715 | |
| 2025 | $1,111.00 | $180,790 Land $6,075 Building $174,715 | $180,790 Land $6,075 Building $174,715 |
| 2023 | $180,790 Land $6,075 Building $174,715 | $180,790 Land $6,075 Building $174,715 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 406 Eldorado St, #412 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 22, 2018
| 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 risk around 406 Eldorado St, #412 is low, with a 0.01% 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 | 0.01% 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 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 |
| 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.
Source: FCC Broadband Data Collection, based on 130 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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