437 S Main St, Star, NC 27356 Property Records

Montgomery County property record for 437 S Main St, Star, NC 27356

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,670 sqft · built 1912
Lot Size	0.77 acres (33,541 sqft)
Owner	2 Individual Names on File
Last Sale	$98,000 (Jul 2010)
Tax Bill	$1,281 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7569 07 59 7144`

Property Details

APN / Parcel Number

Primary APN	`7569 07 59 7144`
Alternative APN	`74397`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,670 sqft Finished Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Exterior Material	Wood Siding
Foundation Type	Stone
Roof Type	Hip
Roof Material	Metal
Lot Area	33,541 sqft (0.77 acres)
Lot Dimensions	200 ft deep x 165 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	74397
Street Address	437 S MAIN ST
City	STAR
State	NC
Zip	27356-7717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	HOME IN STAR HOME IN STAR
Jurisdiction	MONTGOMERY NC
Township / Civil Division	STAR
Census Block Group	3
Census Block	3005
Census Tract	960102

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Star Historic District listed 2013 · 90 contributing resources · NRIS 13000699

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

437 S Main St is owned by two individuals who bought it in July 2010.

Source: Montgomery County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 781, STAR, NC 27356-0781
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Nov 16, 2020	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2010 · Amount on File
Deed Sale	Jul 15, 2010 · Amount on File
Deed Document Number	2010321903
Deed Book / Page	659 / 680
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	437 S MAIN ST, STAR, NC 27356-7717
Transaction Type	Mortgage
Record Updated	Apr 28, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000900/259
Date	Apr 18, 2022
Book Page	900/259
Instrument	373468

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	437 S MAIN ST, STAR, NC 27356-7717
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 S MAIN ST, STAR, NC 27356-7717

Mortgage

Document Number	859/761
Date	Nov 16, 2020
Book Page	859/761
Instrument	365528

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	282 Months
Due	May 1, 2044

Tax Assessment & Valuation

The 2025 property tax bill for 437 S Main St was $1,281.

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,798 (-) Land $18,315 Building $85,483	$103,798 (-) Land $18,315 Building $85,483
2025	$1,281.00	$103,798 Land $18,315 Building $85,483	$103,798 Land $18,315 Building $85,483
2023		$103,798 Land $18,315 Building $85,483	$103,798 Land $18,315 Building $85,483

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

Flood

FEMA maps place 437 S Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 22, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 437 S Main St is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF STAR serves 933 people · EPA ID NC0362025
Water Source	Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Oct 2024
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 53 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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