643 Bruton St, Troy, NC 27371 Property Records

Montgomery County property record for 643 Bruton St, Troy, NC 27371 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,360 sqft · built 1950
Lot Size	0.61 acres (26,572 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Oct 2019)
Tax Bill	$584 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`7538 07 58 9868`

Property Details

APN / Parcel Number

Primary APN	`7538 07 58 9868`
Alternative APN	`1482056`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,360 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,572 sqft (0.61 acres)
Lot Dimensions	200 ft deep x 151 ft wide

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1482056
Street Address	643 BRUTON ST
City	TROY
State	NC
Zip	27371-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCALL & HOWELL LOT 10 H & MCCALL
Legal Lot Number	10
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	2
Census Block	2039
Census Tract	960201

Owner

Source: Montgomery County records · APN 7538 07 58 9868

Assessment roll updated September 2, 2025 · Last verified May 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	643 BRUTON ST, TROY, NC 27371-2825
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2019 · Amount on Record
Deed Sale	Oct 30, 2019 · Amount on Record
Deed Document Number	2019360788
Deed Book / Page	836 / 742
Record Updated	Jun 08, 2026

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Oct 30, 2019
Property Address	643 BRUTON ST, TROY, NC 27371-2825
Document Number	0836/0742
Book / Page	0836 / 0742
Instrument Date	Oct 25, 2019
Instrument	360788
Transaction Type	Transfer
Record Updated	Oct 01, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 BRUTON ST, TROY, NC 27371-2825

Mortgage

Document Number	360789
Date	Oct 30, 2019
Instrument	360789

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

Source: Montgomery County records · Assessment roll updated September 2, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Municipality	Troy Town
Unified School District	Montgomery County 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	$584.00	$94,983 (-) Land $20,113 Building $74,870	$94,983 (-) Land $20,113 Building $74,870
2023		$94,983 Land $20,113 Building $74,870	$94,983 Land $20,113 Building $74,870

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Montgomery County (37123C), updated November 22, 2018 · 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 32% of the US · above 43% of North Carolina
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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