Montgomery County property record for 408 Bruton St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,747 sqft · built 1939 |
| Lot Size | 0.42 acres (18,295 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $215,000 (Mar 2026) |
| Tax Bill | $597 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2012 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 06 48 6028 |
| Primary APN | 7538 06 48 6028 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,747 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1939 |
|---|---|
| Effective Year Built | Effective 1939 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,295 sqft (0.42 acres) |
| Lot Dimensions | 247 ft deep x 77 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | Oil |
| Account Number | 1491291 |
|---|---|
| Street Address | 408 BRUTON ST |
| City | TROY |
| State | NC |
| Zip | 27371-2822 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | BRUTON STREET BRUTON STREET |
| Legal Subdivision | BRUTON STREET |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 960201 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Mar 28, 2012 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Mar 16, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 27, 2025 | Warranty Deed, Transfer |
| Dec 30, 2016 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2026 · Amount on Record |
| Deed Sale | Mar 16, 2026 · Amount on Record |
| Prior Sale | Jun 27, 2025 · Amount on Record |
| Deed Document Number | 2026390001 |
| Deed Book / Page | 980 / 654 |
| Prior Transfer Date | Jun 6, 2014 |
| Prior Transfer Doc | 0000338358 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 000881/867 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 881/867 |
| Instrument | 369938 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Transaction Type | Mortgage |
| Record Updated | Mar 26, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 000693/497 |
|---|---|
| Date | Mar 28, 2012 |
| Book Page | 693/497 |
| Instrument | 00693_00497 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SOUTHERN PINES, NC 28387 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2042 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Mar 16, 2026 |
| Property Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Document Number | 000980/654 |
| Book / Page | 980 / 654 |
| Instrument Date | Mar 16, 2026 |
| Instrument | 390001 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 703 RAILROAD AVE, TROY, NC 27371-2718 |
| Name | Verified Name |
|---|---|
| Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Document Number | 0000390002 |
|---|---|
| Date | Mar 16, 2026 |
| Instrument | 390002 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.65% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.65% |
| Max Rate At Change | 7.65% |
| Index | 5-Year CMT |
| Max Rate | 11.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Jun 27, 2025 |
| Property Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Document Number | 000965/317 |
| Book / Page | 965 / 317 |
| Instrument Date | Jun 27, 2025 |
| Instrument | 387016 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $234.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Name | Verified Name |
|---|---|
| Address | 703 RAILROAD AVE, TROY, NC 27371-2718 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Dec 30, 2016 |
| Property Address | 408 BRUTON ST, TROY, NC 27371-2822 |
| Document Number | 000782/589 |
| Book / Page | 782 / 589 |
| Instrument Date | Dec 30, 2016 |
| Instrument | 348800 |
| Transaction Type | Transfer |
| Record Updated | Mar 27, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $196.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1425 IVY MEADOW DR # DR1218, DR1218, CHARLOTTE, NC 28213-9018 |
| Name | Verified Name |
|---|---|
| Address | 408 BRUTON ST, TROY, NC 27371-2822 |
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 | $140,885 (+45.05%) Land $10,533 Building $130,352 | $140,885 (+45.05%) Land $10,533 Building $130,352 | |
| 2025 | $597.00 | $97,130 (-) Land $10,533 Building $86,597 | $97,130 (-) Land $10,533 Building $86,597 |
| 2023 | $97,130 Land $10,533 Building $86,597 | $97,130 Land $10,533 Building $86,597 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
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 | 0.03% 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 154 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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