Surry County property record for 413 Watershed Rd, Lowgap, NC 27024
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,797 sqft · built 2021 |
| Lot Size | 5.86 acres (255,262 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $60,000 (Jan 2009) |
| Tax Bill | $2,396 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Apr 2021 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | 4082-00-34-2117 |
| Primary APN | 4082-00-34-2117 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,797 sqft Living Area |
| 1st Floor Area | 5,964 sqft |
| Basement Area | 1,260 sqft |
| Unfinished Basement | 1,260 sqft |
| Flooring | Parquet |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Cathedral/Clerestory |
| Roof Material | Wood Shingle |
| Lot Area | 255,262 sqft (5.86 acres) |
| Garage Area | 1,376 sqft |
| Porch | Open Porch |
| Deck Area | 182 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 33965925 |
|---|---|
| Street Address | 413 WATERSHED RD |
| City | LOWGAP |
| State | NC |
| Zip | 27024-7458 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | OFF WATERSHED RD |
| Legal Subdivision | STEWARTS CREEK |
| Jurisdiction | SURRY NC |
| Township / Civil Division | STEWARTS CREEK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 930803 |
Source: Surry County records, as of September 29, 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 Record |
|---|---|
| Mailing Address | 413 WATERSHED RD, LOWGAP, NC 27024-7458 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 4, 2026 | Deed of Trust, Mortgage STATE EMPLOYEES CREDIT UNION |
| Apr 20, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance RENASANT BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2009 · Amount on Record |
| Deed Sale | Jan 26, 2009 · Amount on Record |
| Deed Document Number | 2009563062 |
| Deed Book / Page | 1273 / 1095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 413 WATERSHED RD, LOWGAP, NC 27024-7458 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001962/78 |
|---|---|
| Date | Feb 4, 2026 |
| Book Page | 1962/78 |
| Instrument | 731106 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|---|
| Type | Credit Union |
| Amount | Amount Recorded |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 413 WATERSHED RD, LOWGAP, NC 27024-7458 |
| Transaction Type | Mortgage |
| Record Updated | Oct 31, 2022 |
| Name | Verified Name |
|---|
| Document Number | 01757/1034 |
|---|---|
| Date | Apr 20, 2021 |
| Book Page | 1757/1034 |
| Instrument | 683218 |
| Name | RENASANT BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
Source: Surry County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Unified School District | Surry County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,396.00 (-2.04%) | $324,940 (-19.18%) Land $31,860 Building $293,080 | $324,940 (-19.18%) Land $31,860 Building $293,080 |
| 2025 | $2,446.00 (+352.13%) | $402,030 (+27.83%) Land $38,050 Building $363,980 | $402,030 (+27.83%) Land $38,050 Building $363,980 |
| 2023 | $541.00 | $314,500 Land $31,860 Building $282,640 | $314,500 Land $31,860 Building $282,640 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective January 11, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 1,000 / 1,000 |
| Fastlink Communications Fixed Wireless | 100 / 25 |
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