511 Dusty Level Rd, Troy, NC 27371 Property Records

Montgomery County property record for 511 Dusty Level Rd, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,534 sqft · built 1976
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (May 2016)
Tax Bill	$667 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2015 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`7509 00 80 7346`

Property Details

APN / Parcel Number

Primary APN	`7509 00 80 7346`
Alternative APN	`1477652`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,534 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick Veneer
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Account Number	1477652
Street Address	511 DUSTY LEVEL RD
City	TROY
State	NC
Zip	27371-1984
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	COY MORRIS MORRIS
Legal Subdivision	DUSTY LEVEL
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1020
Census Tract	960301

Owner

Source: Montgomery County records, as of October 12, 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	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 28, 2015	Deed of Trust, Mortgage · Commercial Mortgage FIRST BANK
Sep 22, 2008	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK
Nov 26, 2012	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 17, 2006	Deed of Trust, Mortgage · Line of Credit FIRST BANK
May 20, 2016	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Oct 25, 2005	Warranty Deed, Transfer · Line of Credit FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 20, 2016 · Amount on Record
Deed Sale	May 20, 2016 · Amount on Record
Prior Sale	Oct 25, 2005 · Amount on Record
Deed Document Number	2016346327
Deed Book / Page	770 / 871
Prior Transfer Date	Oct 15, 2012
Prior Transfer Doc	0000331421
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Transaction Type	Mortgage
Record Updated	May 15, 2026
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000880/666
Date	Aug 16, 2021
Book Page	880/666
Instrument	369706

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

September 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00759/0742
Date	Sep 28, 2015
Book Page	0759/0742
Instrument	343729

Lender

Name	FIRST BANK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

September 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000625/169
Date	Sep 22, 2008
Book Page	625/169
Instrument	314168

Lender

Name	FIRST BANK
Type	Bank
Address	SOUTHERN PINES, NC 28387

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2023

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000707/570
Date	Nov 26, 2012
Book Page	707/570
Instrument	331897

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2027

February 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00557/0095
Date	Feb 17, 2006
Book Page	0557/0095
Instrument	05570550

Lender

Name	FIRST BANK
Type	Bank
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2016: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	May 20, 2016
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Document Number	000770/871
Book / Page	770 / 871
Map Reference	DD 549 PG 861
Instrument Date	May 20, 2016
Instrument	346327
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2401 FORREST PARK DR, ARKADELPHIA, AR 71923-2917

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984

Mortgage

Document Number	000770/874
Date	May 20, 2016
Book Page	770/874
Instrument	346328

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	6%

October 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Oct 25, 2005
Property Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984
Document Number	00548/0133
Book / Page	0548 / 0133
Map Reference	CAB E SL13-D
Instrument Date	Oct 24, 2005
Instrument	05483607
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$224.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20239 ENCHANTED ROSE LN, CYPRESS, TX 77433-2041

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 DUSTY LEVEL RD, TROY, NC 27371-1984

Mortgage

Document Number	0005483633
Date	Oct 25, 2005
Instrument	05483633

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 25, 2020

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$108,578 (-) Land $11,250 Building $97,328	$108,578 (-) Land $11,250 Building $97,328
2025	$667.00	$108,578 (-) Land $11,250 Building $97,328	$108,578 (-) Land $11,250 Building $97,328
2023		$108,578 Land $11,250 Building $97,328	$108,578 Land $11,250 Building $97,328

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

Flood

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	5 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · rainfall accumulation

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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