412 Eldorado St, Troy, NC 27371 Property Records

Montgomery County property record for 412 Eldorado St, Troy, NC 27371 · Last verified May 2026

Property Highlights

Property Type	Vacant Land > Residential
Lot Size	10,890 sqft (0.25 acres)
Last Sale	$86,000 (2020)
Tax Bill	$42.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`7538 05 17 9805`
Alternative APN	`1482988`

Exterior

Lot Area	10,890 sqft (0.25 acres)
Depth X Width	120 ft x 90 ft Depth x Width

Location & Zoning

Account Number	1482988
Street Address	412 ELDORADO ST
City	TROY
State	NC
Zip	27371-2624
Property Usage	Residential Property Usage
Type	Vacant Land > Residential
Legal Description	SMITHERMAN COTTON MILLS LOT 19 SMITHERMAN C.M. #19
Legal Subdivision	SMITHERNMAN COTTON MILLS INC
Legal Lot Number	19
Jurisdiction	MONTGOMERY NC
Minor Civil Division	TROY
Census Blockgroup	3
Census Block	3055
Census Tract	960202

Owner

Source: Montgomery County records · APN 7538 05 17 9805

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	Individual Name on File
Mailing Address	PO BOX 218, TROY, NC 27371-0218
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Deed Doc Number	2020364198
Deed Book / Page	853 / 192
Record Refreshed	Jun 08, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Aug 12, 2020
Property Address	412 ELDORADO ST, TROY, NC 27371-2624
Document Number	000853/192
Book / Page	853 / 192
Map Reference	MB 3 PG 5
Instrument Date	Aug 04, 2020
Instrument	364198
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$172.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 218, TROY, NC 27371-0218

Mortgage

Document Number	0000364199
Date	Aug 12, 2020
Instrument	364199

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

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
Municipality	Troy Town
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$42.00	$6,885 (-) Land $6,885	$6,885 (-) Land $6,885
2023		$6,885 Land $6,885	$6,885 Land $6,885