514 Lucas Rd, Star, NC 27356 Property Records

Montgomery County property record for 514 Lucas Rd, Star, NC 27356

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,203 sqft · built 2019
Lot Size	4.69 acres (204,296 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,459 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7632 00 89 1942`

Property Details

APN / Parcel Number

Primary APN	`7632 00 89 1942`
Alternative APN	`1481094`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	3,203 sqft Finished Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Roof Type	Gable
Roof Material	Galvanized Metal
Lot Area	204,296 sqft (4.69 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1481094
Street Address	514 LUCAS RD
City	STAR
State	NC
Zip	27356-7683
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LUCAS TRACT 1 LUCAS #1
Legal Tract	1
Jurisdiction	MONTGOMERY NC
Township / Civil Division	LITTLE RIVER
Census Block Group	1
Census Block	1015
Census Tract	960201

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	433 LUCAS RD, STAR, NC 27356-7682
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Aug 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Apr 16, 2019	Deed of Trust, Mortgage · Construction Mortgage STATE EMPLOYEES CU
Mar 1, 2019	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 28, 2019
Transfer Doc	0822/0049
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	514 LUCAS RD, STAR, NC 27356-7683
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000973/350
Date	Nov 5, 2025
Book Page	973/350
Instrument	388541

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	514 LUCAS RD, STAR, NC 27356-7683
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	881/726
Date	Aug 27, 2021
Book Page	881/726
Instrument	369912

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

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	514 LUCAS RD, STAR, NC 27356-7683
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0824/0395
Date	Apr 16, 2019
Book Page	0824/0395
Instrument	358303

Lender

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

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

March 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Mar 1, 2019
Property Address	514 LUCAS RD, STAR, NC 27356-7683
Document Number	0822/0049
Book / Page	0822 / 0049
Map Reference	CAB G SL 62-C
Instrument Date	Feb 28, 2019
Instrument	357778
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	433 LUCAS RD, 433, STAR, NC 27356-7682

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 LUCAS RD, STAR, NC 27356-7682

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		$399,868 (-) Land $14,418 Building $385,450	$399,868 (-) Land $14,418 Building $385,450
2025	$2,459.00	$399,868 (-) Land $14,418 Building $385,450	$399,868 (-) Land $14,418 Building $385,450
2023		$399,868 Land $14,418 Building $385,450	$399,868 Land $14,418 Building $385,450

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% 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 3 locations within half a mile, as of December 31, 2025

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

Cell Coverage

No cell data coverage reported

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