Montgomery County property record for 645 Broughton St, Troy, NC 27371
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 3,099 sqft · built 1974 |
| Lot Size | 0.88 acres (38,333 sqft) |
| Owner | Individual on Record |
| Last Sale | $175,000 (Dec 2020) |
| Tax Bill | $974 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Dec 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 7538 07 59 6201 |
| Primary APN | 7538 07 59 6201 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 3,099 sqft Finished Area |
| Basement Area | 1,293 sqft |
| Finished Basement | 1,293 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1974 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 38,333 sqft (0.88 acres) |
| Lot Dimensions | 185 ft deep x 204 ft wide |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Zoned |
| Account Number | 1483440 |
|---|---|
| Street Address | 645 BROUGHTON ST |
| City | TROY |
| State | NC |
| Zip | 27371-2813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | E.T. REYNOLDS E. T. REYNOLDS |
| Legal Subdivision | REYNOLDS AND SMITHERMAN DIVISION |
| Jurisdiction | MONTGOMERY NC |
| Township / Civil Division | TROY |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 960201 |
Source: Montgomery County assessment roll, as of September 2, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Mailing Address | 645 BROUGHTON ST, TROY, NC 27371-2813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 8, 2020 | Warranty Deed, Transfer · Conventional Mortgage WOLFE FINANCIAL INC |
| Dec 20, 2019 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 8, 2020 · Amount on Record |
| Deed Sale | Dec 8, 2020 · Amount on Record |
| Prior Sale | Dec 20, 2019 · Amount on Record |
| Deed Document Number | 2020365853 |
| Deed Book / Page | 861 / 429 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Dec 8, 2020 |
| Property Address | 645 BROUGHTON ST, TROY, NC 27371-2813 |
| Document Number | 861/429 |
| Book / Page | 861 / 429 |
| Instrument Date | Dec 4, 2020 |
| Instrument | 365853 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5081 WOODRUN ON TILLERY, 5081, MOUNT GILEAD, NC 27306-9550 |
| Name | Verified Name |
|---|---|
| Address | 645 BROUGHTON ST, TROY, NC 27371-2813 |
| Document Number | 365854 |
|---|---|
| Date | Dec 8, 2020 |
| Instrument | 365854 |
| Name | WOLFE FINANCIAL INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MONTGOMERY NC |
| Recording Date | Dec 20, 2019 |
| Property Address | 645 BROUGHTON ST, TROY, NC 27371-2813 |
| Document Number | 0839/0314 |
| Book / Page | 0839 / 0314 |
| Instrument Date | Dec 20, 2019 |
| Instrument | 361392 |
| Transaction Type | Transfer |
| Record Updated | Oct 1, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $330.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 645 BROUGHTON ST, 645, TROY, NC 27371-2813 |
| Name | Verified Name |
|---|---|
| Address | 511 DOCKERY RD, ROCKINGHAM, NC 28379-6827 |
| Document Number | 361393 |
|---|---|
| Date | Dec 20, 2019 |
| Instrument | 361393 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.75% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Montgomery County assessment roll, as of September 2, 2025
| 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 |
|---|---|---|---|
| 2025 | $974.00 | $158,469 (-) Land $26,928 Building $131,541 | $158,469 (-) Land $26,928 Building $131,541 |
| 2023 | $158,469 Land $26,928 Building $131,541 | $158,469 Land $26,928 Building $131,541 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 22, 2018
| 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.
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 | 0.03% 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 44 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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