Montgomery County property record for 522 Perry St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,068 sqft · built 1986 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $178,500 (Jun 2025) |
| Tax Bill | $402 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 13 14 6144 |
| Primary APN | 7538 13 14 6144 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,068 sqft Finished Area |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 150 ft deep x 72 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Geothermal |
| Account Number | 1490292 |
|---|---|
| Street Address | 522 PERRY ST |
| City | TROY |
| State | NC |
| Zip | 27371-3126 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | R.F. CROTTS LOT 56 CROTTS #56 |
| Legal Subdivision | R F CROTTS SUBDIVISION |
| Legal Lot Number | 56 |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 1 |
| Census Block | 1028 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 334 ROBINSON RD, JACKSON SPRINGS, NC 27281-8234 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 7, 2017 | Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 23, 2025 · Amount on Record |
| Deed Sale | Jun 23, 2025 · Amount on Record |
| Prior Sale | Oct 30, 2008 · Amount on Record |
| Deed Document Number | 2025386937 |
| Deed Book / Page | 964 / 815 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 522 PERRY ST, TROY, NC 27371-3126 |
| Transaction Type | Mortgage |
| Record Updated | Nov 3, 2021 |
| Name | Verified Name |
|---|
| Document Number | 886/278 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 886/278 |
| Instrument | 370844 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Nov 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Property Address | 522 PERRY ST, TROY, NC 27371-3126 |
| Transaction Type | Mortgage |
| Record Updated | Mar 29, 2017 |
| Name | Verified Name |
|---|
| Document Number | , 349193 |
|---|---|
| Date | Feb 7, 2017 |
| Book Page | 784/561 |
| Instrument | 349193 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.25% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
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 | $65,518 (-) Land $7,200 Building $58,318 | $65,518 (-) Land $7,200 Building $58,318 | |
| 2025 | $402.00 | $65,518 (-) Land $7,200 Building $58,318 | $65,518 (-) Land $7,200 Building $58,318 |
| 2023 | $65,518 Land $7,200 Building $58,318 | $65,518 Land $7,200 Building $58,318 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 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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