Montgomery County property record for 521 Oak St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 960 sqft · built 1953 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $70,000 (Sep 2007) |
| Tax Bill | $331 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 13 14 4590 |
| Primary APN | 7538 13 14 4590 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 960 sqft Finished Area |
| Year Built | Built 1953 |
|---|---|
| Effective Year Built | Effective 1953 |
| Exterior Material | Asbestos |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 108 ft deep x 76 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 54694 |
|---|---|
| Street Address | 521 OAK ST |
| City | TROY |
| State | NC |
| Zip | 27371-3117 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | R.F. CROTTS LOT 28 R.F.CROTTS #28 |
| Legal Lot Number | 28 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1082 |
| Census Tract | 960202 |
521 Oak St is owned and occupied by an individual who bought it in September 2007.
Source: Montgomery County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 521 OAK ST, TROY, NC 27371-3117 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 7, 2007 · Amount on File |
| Deed Sale | Sep 7, 2007 · Amount on File |
| Deed Document Number | 2007308496 |
| Deed Book / Page | 600 / 479 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 521 Oak St was $331.
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 | $53,867 (-) Land $6,536 Building $47,331 | $53,867 (-) Land $6,536 Building $47,331 | |
| 2025 | $331.00 | $53,867 Land $6,536 Building $47,331 | $53,867 Land $6,536 Building $47,331 |
| 2023 | $53,867 Land $6,536 Building $47,331 | $53,867 Land $6,536 Building $47,331 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 521 Oak St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 521 Oak St is low, with a 0.02% 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 | 0.02% 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.
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 218 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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