Montgomery County property record for 520 Cox St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 2,211 sqft · built 1955 |
| Lot Size | 2.05 acres (89,298 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $6,000 (Apr 1996) |
| Tax Bill | $885 (2025) |
| Deeds & Mortgages | Aug 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 11 55 4509 |
| Primary APN | 7538 11 55 4509 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,211 sqft Finished Area |
| Basement Area | 1,721 sqft |
| Finished Basement | 1,721 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick Veneer |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 89,298 sqft (2.05 acres) |
| Garage Type | Carport |
| Garage Area | 255 sqft |
| Carport | Carport |
| Carport Area | 255 sqft |
| Cooling System | None |
|---|
| Account Number | 22240 |
|---|---|
| Street Address | 520 COX ST |
| City | TROY |
| State | NC |
| Zip | 27371-3308 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | J. C. HURLEY, JR. LOT 13-17 HOME |
| Legal Lot Number | 13-17 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 960202 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 520 COX ST, TROY, NC 27371-3308 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 1, 1996 · Amount on Record |
| Deed Sale | Apr 1, 1996 · Amount on Record |
| Deed Book / Page | 320 / 167 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 520 COX ST, TROY, NC 27371-3308 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 520 COX ST, TROY, NC 27371-3308 |
| Document Number | 000928/627 |
|---|---|
| Date | Aug 11, 2023 |
| Book Page | 928/627 |
| Instrument | 379318 |
| Name | THE FIDELITY BANK |
|---|---|
| Type | Bank |
| Address | TROY, NC 27371 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Montgomery County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Montgomery County |
| Municipality | Troy Town |
| Unified School District | Montgomery County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $144,000 (-) Land $18,150 Building $125,850 | $144,000 (-) Land $18,150 Building $125,850 | |
| 2025 | $885.00 | $144,000 (-) Land $18,150 Building $125,850 | $144,000 (-) Land $18,150 Building $125,850 |
| 2023 | $144,000 Land $18,150 Building $125,850 | $144,000 Land $18,150 Building $125,850 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 1 in force |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF TROY serves 3,591 people · EPA ID NC0362020 |
|---|---|
| Water Source | Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | Haloacetic acids resolved · Jul 2025 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 126 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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