503 W Main St, Elkin, NC 28621 Property Records

Surry County property record for 503 W Main St, Elkin, NC 28621 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,539 sqft · built 1930
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Aug 2022)
Tax Bill	$2,065 (2025)
Deeds & Mortgages	Dec 2021 Refinance Dec 2020 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`4951-17-12-4243`

Property Details

APN / Parcel Number

Primary APN	`4951-17-12-4243`
Alternative APNs	`100107539` `100124217`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,539 sqft Living Area
Basement Area	1,558 sqft
Finished Basement	132 sqft
Unfinished Basement	1,426 sqft
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	17,860 sqft (0.41 acres)
Garage Type	Mixed
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100124217
Street Address	503 W MAIN ST
City	ELKIN
State	NC
Zip	28621-3317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:04 SUBD:ELKIN G - RESIDENTIAL
Legal Subdivision	ELKIN G - RESIDENTIAL
Jurisdiction	SURRY NC
Township / Civil Division	ELKIN
Census Block Group	3
Census Block	3015
Census Tract	930901

Owner

Source: Surry County records · APN 4951-17-12-4243

Assessment roll updated January 1, 2025 · Last verified December 2025

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	503 W MAIN ST, ELKIN, NC 28621-3317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 08, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK OF PENNSYLVANIA
Dec 10, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST NATIONAL BANK OF PENNSYLVANIA
Aug 29, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage CROSSCOUNTRY MORTGAGE INC
Apr 07, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 29, 2022 · Amount on Record
Deed Sale	Aug 29, 2022 · Amount on Record
Prior Sale	Apr 07, 2017 · Amount on Record
Deed Document Number	0018270214
Deed Book / Page	1827 / 0214
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	503 W MAIN ST, ELKIN, NC 28621-3317
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01791/1008
Date	Dec 08, 2021
Book Page	1791/1008
Instrument	690655

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2037

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	503 W MAIN ST, ELKIN, NC 28621-3317
Transaction Type	Mortgage
Record Updated	Apr 03, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001739/51
Date	Dec 10, 2020
Book Page	1739/51
Instrument	679025

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Aug 29, 2022
Property Address	503 W MAIN ST, ELKIN, NC 28621-3317
Document Number	001827/214
Book / Page	1827 / 214
Instrument Date	Aug 29, 2022
Instrument	698823
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 W MAIN ST, ELKIN, NC 28621-3317

Mortgage

Document Number	0000698824
Date	Aug 29, 2022
Instrument	698824

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Apr 07, 2017
Property Address	503 W MAIN ST, ELKIN, NC 28621-3317
Document Number	1590/0124
Book / Page	1590 / 0124
Instrument Date	Apr 04, 2017
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 S MAIN ST, ELKIN, NC 28621

Mortgage

Document Number	01590/0127
Date	Apr 07, 2017
Book Page	1590/0127
Instrument	644103

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Surry County records · Assessment roll updated January 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Surry County
Municipality	Elkin Town
Unified School District	Elkin City Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,065.00 (+31.03%)	$319,280 (+11.79%) Land $23,000 Building $296,280	$319,280 (+11.79%) Land $23,000 Building $296,280
2023	$1,576.00	$285,610 Land $23,000 Building $262,610	$285,610 Land $23,000 Building $262,610

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Surry County (37171C), updated January 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 39 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brightspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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