538 W Main St, Elkin, NC 28621 Property Records

Surry County property record for 538 W Main St, Elkin, NC 28621 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 6,656 sqft · built 1910
Lot Size	2.09 acres (91,040 sqft)
Owner	Individual Name on File
Tax Bill	$3,934 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Oct 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`4951-17-02-9320`

Property Details

APN / Parcel Number

Primary APN	`4951-17-02-9320`
Alternative APN	`91015380`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	1 Story
Building Area	6,656 sqft Living Area
1st Floor Area	3,844 sqft
Attic	Attic
Attic Area	286 sqft
Flooring	Wood
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1989
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	91,040 sqft (2.09 acres)
Garage Area	912 sqft
Parking Spaces	3 Parking Spaces
Porch	Patio
Porch Area	355 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	91015380
Street Address	538 W MAIN ST
City	ELKIN
State	NC
Zip	28621-3318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	538 W MAIN ST
Legal Subdivision	ELKIN G - RESIDENTIAL
Jurisdiction	SURRY NC
Township / Civil Division	ELKIN
Census Block Group	3
Census Block	3017
Census Tract	930901

Owner

Source: Surry County records · APN 4951-17-02-9320

Assessment roll updated November 24, 2025 · Last verified April 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 File
Mailing Address	538 W MAIN ST, ELKIN, NC 28621-3318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2018	Deed of Trust, Mortgage WELLS FARGO BANK NA
Oct 11, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 01, 1992
Deed Sale	Jan 01, 1992
Prior Sale	Feb 01, 1987 · Amount on Record
Deed Book / Page	514 / 709
Last Transfer Date	Oct 02, 2017
Transfer Doc	01610/0396
Record Updated	Jun 08, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	538 W MAIN ST, ELKIN, NC 28621-3318
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000001643/0000000210
Date	Aug 27, 2018
Book Page	0000001643/0000000210
Instrument	000000656955

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 01, 2048

October 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SURRY NC
Recording Date	Oct 11, 2017
Property Address	538 W MAIN ST, ELKIN, NC 28621-3318
Document Number	01610/0396
Book / Page	1610 / 0396
Instrument Date	Oct 02, 2017
Transaction Type	Transfer
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	538 W MAIN ST, ELKIN, NC 28621-3318

Tax Assessment & Valuation

Source: Surry County records · Assessment roll updated November 24, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Surry County
Municipality	Elkin Town
Unified School District	Elkin City Schools (PK - 12)

Tax Bill & Assessment History

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	$3,934.00 (+738.81%)	$607,170 (+16%) Land $55,200 Building $551,970	$607,170 (+16%) Land $55,200 Building $551,970
2023	$469.00	$523,400 Land $55,200 Building $468,200	$523,400 Land $55,200 Building $468,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Surry County (37171C), updated January 11, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 209 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brightspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Surry Telephone Membership. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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