622 W Main St, Elkin, NC 28621 Property Records

Surry County property record for 622 W Main St, Elkin, NC 28621

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,811 sqft · built 1926
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$450,000 (Aug 2023)
Tax Bill	$2,436 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Feb 2022 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4951-17-02-8430`

Property Details

APN / Parcel Number

Primary APN	`4951-17-02-8430`
Alternative APNs	`100074078` `100127123`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,811 sqft Living Area
Basement Area	1,000 sqft
Unfinished Basement	1,000 sqft
Interior Walls	Custom/Decorative
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2013
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gambrel
Roof Material	Wood Shingle
Lot Area	17,424 sqft (0.4 acres)
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	150 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100127123
Street Address	622 W MAIN ST
City	ELKIN
State	NC
Zip	28621-3226
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MDR
Legal Description	622 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, as of November 21, 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 Record
Co-owner	Co-owner on Record
Mailing Address	PO BOX 619, ELKIN, NC 28621-0619
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2023	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Feb 22, 2022	Deed of Trust, Mortgage · Stand-Alone Refinance ALLEGACY FEDERAL CREDIT UNTION
Mar 19, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance ALLEGACY FEDERAL CREDIT UNTION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2023 · Amount on Record
Deed Sale	Aug 17, 2023 · Amount on Record
Deed Document Number	0018660085
Deed Book / Page	1866 / 0085
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SURRY NC
Recording Date	Aug 17, 2023
Property Address	622 W MAIN ST, ELKIN, NC 28621-3226
Document Number	0001866/85
Book / Page	1866 / 85
Instrument Date	Aug 17, 2023
Instrument	708419
Transaction Type	Transfer
Record Updated	Sep 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 619, ELKIN, NC 28621-0619

Mortgage

Document Number	0001866/89
Date	Aug 17, 2023
Book Page	1866/89
Instrument	708420

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	622 W MAIN ST, ELKIN, NC 28621-3226
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001802/417
Date	Feb 22, 2022
Book Page	1802/417
Instrument	692985

Lender

Name	ALLEGACY FEDERAL CREDIT UNTION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	622 W MAIN ST, ELKIN, NC 28621-3226
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1703/122
Date	Mar 19, 2020
Book Page	1703/122
Instrument	671321

Lender

Name	ALLEGACY FEDERAL CREDIT UNTION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2030

Tax Assessment & Valuation

Source: Surry County assessment roll, as of January 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,436.00 (+157.78%)	$378,210 (+74.81%) Land $25,300 Building $352,910	$378,210 (+74.81%) Land $25,300 Building $352,910
2023	$945.00	$216,350 Land $25,300 Building $191,050	$216,350 Land $25,300 Building $191,050

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 11, 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

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	0.01% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF ELKIN serves 4,076 people · EPA ID NC0286020
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 209 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Surry Telephone.

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