649 Roxboro Dr, Troy, NC 27371 Property Records

Montgomery County property record for 649 Roxboro Dr, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,456 sqft · built 1999
Lot Size	0.41 acres (17,860 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Aug 2021)
Tax Bill	$1,044 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`6587 13 04 2130`

Property Details

APN / Parcel Number

Primary APN	`6587 13 04 2130`
Alternative APN	`1484647`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,456 sqft Finished Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	1484647
Street Address	649 ROXBORO DR
City	TROY
State	NC
Zip	27371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	WOODRUN LOT 353 WOODRUN #353
Legal Subdivision	WOODRUN SUBDIVISION OF RUSSWOOD INC
Legal Lot Number	353
Jurisdiction	MONTGOMERY NC
Township / Civil Division	UWHARRIE
Census Block Group	1
Census Block	1054
Census Tract	960301

Owner

649 Roxboro Dr is owned by two individuals who bought it in August 2021.

Source: Montgomery County records, as of October 12, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	5112 WOODRUN ON TILLERY, MOUNT GILEAD, NC 27306-9592
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2021	Deed of Trust, Mortgage · Line of Credit UWHARRIE BANK
Aug 16, 2021	Warranty Deed, Transfer · Conventional Mortgage CAPITAL CITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2021 · Amount on File
Deed Sale	Aug 16, 2021 · Amount on File
Deed Document Number	2021369728
Deed Book / Page	880 / 771
Prior Transfer Date	Dec 15, 2008
Prior Transfer Doc	000629/158
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	649 ROXBORO DR, MOUNT GILEAD, NC 27306
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5291, WOODRUN ON TLEY, NC 27308

Mortgage

Document Number	000872/182
Date	Apr 30, 2021
Book Page	872/182
Instrument	368003

Lender

Name	UWHARRIE BANK
Type	Bank
Address	ALBEMARLE, NC 28001

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Aug 16, 2021
Property Address	649 ROXBORO DR, MOUNT GILEAD, NC 27306
Document Number	000880/771
Book / Page	880 / 771
Map Reference	MB 7 PG 13
Instrument Date	Aug 16, 2021
Instrument	369728
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5291 WOODRUN ON TILLERY, 5291, MOUNT GILEAD, NC 27306-9593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	649 ROXBORO DRIVE, MOUNT GILEAD, NC 27306

Mortgage

Document Number	0000369729
Date	Aug 16, 2021
Instrument	369729

Lender

Name	CAPITAL CITY HOME LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 649 Roxboro Dr was $1,044.

Source: Montgomery County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Montgomery County
Unified School District	Montgomery County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$185,503 (+16.29%) Land $17,425 Building $168,078	$185,503 (+16.29%) Land $17,425 Building $168,078
2025	$1,044.00	$159,516 Land $17,425 Building $142,091	$159,516 Land $17,425 Building $142,091
2023		$159,516 Land $17,425 Building $142,091	$159,516 Land $17,425 Building $142,091

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

Flood

FEMA maps place 649 Roxboro Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2023.

Source: FEMA National Flood Hazard Layer, effective November 22, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2023)
Most Recent Claim	Jun 2023 · rainfall accumulation

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 649 Roxboro Dr is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	940 / 940
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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