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644 S Key St, Pilot Mountain, NC 27041 Property Records

Surry County property record for 644 S Key St, Pilot Mountain, NC 27041

Property Summary

Property TypeRestaurant
Details4,840 sqft · built 1988
Lot Size2.11 acres (91,912 sqft)
OwnerCompany Name on File
Last Sale$515,000 (Aug 2021)
Tax Bill$6,465 (2026)
Deeds & MortgagesAug 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN5965-06-49-7888

Property Details

APN / Parcel Number

Primary APN5965-06-49-7888
Alternative APN
  • 100010019

Interior

Plumbing Fixtures12 Plumbing Fixtures
Stories1 Story
Building Area4,840 sqft Total Area
1st Floor Area20,014 sqft
Basement Area3,240 sqft
Finished Basement1,600 sqft
Unfinished Basement1,640 sqft
FlooringCeramic Tile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Effective Year BuiltEffective 2003
Exterior MaterialStucco
Construction TypeMasonry / Concrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area91,912 sqft (2.11 acres)
Lot Width1 ft Width

Exterior Amenities

PorchOpen Porch
Deck Area182 sqft
Patio Area920 sqft
Loading Dock104 sqft
Storage Building336 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number100010019
Street Address644 S KEY ST
CityPILOT MOUNTAIN
StateNC
Zip27041
Property CategoryCommercial
Property TypeCommercial > Retail > Restaurant
Local Zoning CodeGB
Legal DescriptionHWY 268
Legal SubdivisionPILOT-HWY 268W
JurisdictionSURRY NC
Township / Civil DivisionPILOT
Census Block Group2
Census Block2022
Census Tract931200

Owner

644 S Key St, a commercial property, is owned by a company that bought it in August 2021.

Source: Surry County records, as of September 29, 2026

Owner of RecordCompany Name on File
Mailing Address628 S MAIN ST, MOUNT AIRY, NC 27030-4722
Owner TypeCompany
VestingCompany

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 9, 2021 · Amount on File
Deed SaleAug 9, 2021 · Amount on File
Prior SaleFeb 1, 1988 · Amount on File
Deed Document Number2021686803
Deed Book / Page1774 / 287
Record UpdatedOct 29, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSURRY NC
Recording DateAug 9, 2021
Property Address644 S KEY ST, PILOT MOUNTAIN, NC 27041
Document Number001774/287
Book / Page1774 / 287
Instrument DateAug 9, 2021
Instrument686803
Transaction TypeTransfer
Record UpdatedNov 24, 2025

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address628 S MAIN ST, MOUNT AIRY, NC 27030-4722

Mortgage

Document Number0000686804
DateAug 9, 2021
Instrument686804
Lender
NameSURREY BANK & TRUST
Agreement
TypeStand-Alone First Mortgage
AmountAmount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 644 S Key St was $6,465, up 3.3% from the year before.

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountySurry County
MunicipalityPilot Mountain Town
Unified School DistrictSurry County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$6,465.00 (+3.31%)$423,040 (-24.63%) Land $211,400 Building $211,640$423,040 (-24.63%) Land $211,400 Building $211,640
2025$6,258.00$561,280 Land $221,510 Building $339,770$561,280 Land $221,510 Building $339,770
2023$933.00$423,040 Land $211,400 Building $211,640$423,040 Land $211,400 Building $211,640

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 644 S Key St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective January 11, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Wildfire risk around 644 S Key St is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.01% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF PILOT MOUNTAIN
serves 1,976 people · EPA ID NC0286025
Water SourcePurchased surface water from CITY OF MOUNT AIRY
Last State InspectionJun 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting3
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 25 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Surry Telephone
Fiber		2,500 / 2,500
Spectrum
Cable		1,000 / 1,000
T-Mobile
Fixed Wireless		100 / 20

May also be available: Brightspeed.

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