509 W Main St, Pilot Mountain, NC 27041 Property Records

Surry County property record for 509 W Main St, Pilot Mountain, NC 27041

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,911 sqft · built 1950
Lot Size	0.471 acres (20,517 sqft)
Owner	2 Individual Names on File
Last Sale	$389,500 (Mar 2022)
Tax Bill	$4,654 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Jul 2008 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5966-15-63-5499`

Property Details

APN / Parcel Number

Primary APN	`5966-15-63-5499`
Alternative APNs	`100026252` `100122655`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,911 sqft Living Area
1st Floor Area	2,501 sqft
Basement Area	1,410 sqft
Finished Basement	1,410 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	20,517 sqft (0.471 acres)
Lot Width	210 ft Width
Garage Type	Carport
Garage Area	720 sqft
Carport	Carport
Carport Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	35 sqft
Patio Area	660 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100122655
Street Address	509 W MAIN ST
City	PILOT MOUNTAIN
State	NC
Zip	27041-9315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R12
Legal Description	509 W MAIN ST
Legal Subdivision	PILOT-W. MAIN HISTORICAL
Jurisdiction	SURRY NC
Township / Civil Division	PILOT
Census Block Group	1
Census Block	1024
Census Tract	931200

Owner

509 W Main St is owned and occupied by two individuals who bought it in March 2022.

Source: Surry County records, as of September 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	509 W MAIN ST, PILOT MOUNTAIN, NC 27041-9315
Occupancy	Owner Occupied
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
Jan 2, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jul 2, 2008	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 22, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage ATLANTIC BAY MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 22, 2022 · Amount on File
Deed Sale	Mar 22, 2022 · Amount on File
Deed Document Number	2022693967
Deed Book / Page	1806 / 586
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	509 W MAIN ST, PILOT MOUNTAIN, NC 27041-9315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01619/0316
Date	Jan 2, 2018
Book Page	1619/0316

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	157 Months
Due	Feb 1, 2031

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Max Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

July 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	509 W MAIN ST, PILOT MOUNTAIN, NC 27041-9315
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	01251/0968
Date	Jul 2, 2008
Book Page	1251/0968
Instrument	557398

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2028

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Mar 22, 2022
Property Address	509 W MAIN ST, PILOT MOUNTAIN, NC 27041-9315
Document Number	001806/586
Book / Page	1806 / 586
Instrument Date	Mar 22, 2022
Instrument	693967
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	509 W MAIN ST, PILOT MOUNTAIN, NC 27041-9315

Mortgage

Document Number	0000693968
Date	Mar 22, 2022
Instrument	693968

Lender

Name	ATLANTIC BAY MORTGAGE GROUP

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 509 W Main St was $4,654, up 3.3% from the year before.

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,654.00 (+3.26%)	$349,070 (-12.54%) Land $26,000 Building $323,070	$349,070 (-12.54%) Land $26,000 Building $323,070
2025	$4,507.00	$399,130 Land $26,000 Building $373,130	$399,130 Land $26,000 Building $373,130
2023	$1,926.00	$349,070 Land $26,000 Building $323,070	$349,070 Land $26,000 Building $323,070

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

Flood

FEMA maps place 509 W Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective January 11, 2026

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.

Wildfire

Wildfire risk around 509 W Main St is low, with a 0.01% 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	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 PILOT MOUNTAIN serves 1,976 people · EPA ID NC0286025
Water Source	Purchased surface water from CITY OF MOUNT AIRY
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	2,500 / 2,500
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

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