Surry County property record for 515 W Main St, Elkin, NC 28621
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,931 sqft · built 1920 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on File |
| Last Sale | $176,000 (Jul 2022) |
| Tax Bill | $1,063 (2025) |
| Deeds & Mortgages | May 2011 Line of Credit May 2012 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 4951-17-12-3156 |
| Primary APN | 4951-17-12-3156 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,931 sqft Living Area |
| Basement Area | 650 sqft |
| Unfinished Basement | 650 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Porch | Open Porch |
| Porch Area | 78 sqft |
| Patio Area | 272 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Account Number | 100123657 |
|---|---|
| Street Address | 515 W MAIN ST |
| City | ELKIN |
| State | NC |
| Zip | 28621-3317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MDR |
| 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 |
Source: Surry County records · APN 4951-17-12-3156
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 515 W MAIN ST, ELKIN, NC 28621-3317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 26, 2011 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO |
| May 14, 2012 | Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST COMPANY |
| Jul 19, 2022 | Warranty Deed, Transfer · Stand-Alone First Mortgage THOMAS M GWYN |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Deed Document Number | 0018220623 |
| Deed Book / Page | 1822 / 0623 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 515 W MAIN ST, ELKIN, NC 28621-3317 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01365/0568 |
|---|---|
| Date | May 26, 2011 |
| Book Page | 1365/0568 |
| Instrument | 587360 |
| Name | BRANCH BANKING AND TRUST CO |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 515 W MAIN ST, ELKIN, NC 28621-3317 |
| Transaction Type | Mortgage |
| Record Updated | Apr 03, 2026 |
| Name | Verified Name |
|---|
| Document Number | 01402/0200 |
|---|---|
| Date | May 14, 2012 |
| Book Page | 1402/0200 |
| Instrument | 596790 |
| Name | BRANCH BANKING AND TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SURRY NC |
| Recording Date | Jul 19, 2022 |
| Property Address | 515 W MAIN ST, ELKIN, NC 28621-3317 |
| Document Number | 001822/623 |
| Book / Page | 1822 / 623 |
| Instrument Date | Jul 19, 2022 |
| Instrument | 697671 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 W MAIN ST, ELKIN, NC 28621-3317 |
| Document Number | 0000697672 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 697672 |
| Name | THOMAS M GWYN |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 25 Months |
| Due | Aug 01, 2024 |
Source: Surry County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Municipality | Elkin Town |
| Unified School District | Elkin City Schools (PK - 12) |
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 | $1,063.00 (+52.51%) | $174,440 (+37.98%) Land $20,700 Building $153,740 | $174,440 (+37.98%) Land $20,700 Building $153,740 |
| 2023 | $697.00 | $126,420 Land $20,700 Building $105,720 | $126,420 Land $20,700 Building $105,720 |
Source: FEMA National Flood Hazard Layer as of January 11, 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
Based on FCC filings for 39 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF ELKIN serves 4,076 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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