654 Hydro Rd, Mount Gilead, NC 27306 Property Records

Montgomery County property record for 654 Hydro Rd, Mount Gilead, NC 27306

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,633 sqft · built 1960
Lot Size	6.96 acres (303,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$152,500 (Apr 2018)
Tax Bill	$966 (2025)
Deeds & Mortgages	Apr 2006 Mortgage Oct 2007 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`6583 00 87 9325`

Property Details

APN / Parcel Number

Primary APN	`6583 00 87 9325`
Alternative APN	`1480106`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,633 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick Veneer
Foundation Type	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	303,178 sqft (6.96 acres)
Garage Type	Carport
Garage Area	440 sqft
Carport	Carport
Carport Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Zoned

Location & Zoning

Account Number	1480106
Street Address	654 HYDRO RD
City	MOUNT GILEAD
State	NC
Zip	27306-8711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	ALLIGOOD ALLIGOOD
Jurisdiction	MONTGOMERY NC
Township / Civil Division	PEE DEE
Census Block Group	2
Census Block	2028
Census Tract	960402

Owner

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 Record
Mailing Address	654 HYDRO RD, MOUNT GILEAD, NC 27306-8711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 25, 2006	Deed of Trust, Mortgage · ARM NOVASTAR MORTGAGE INC
Oct 30, 2007	Deed of Trust, Mortgage · Conventional Mortgage TAYLOR BEAN & WHITAKER MORTGAGE CORP
Apr 19, 2018	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 19, 2018 · Amount on Record
Deed Sale	Apr 19, 2018 · Amount on Record
Prior Sale	Jan 1, 1987 · Amount on Record
Deed Document Number	2018354288
Deed Book / Page	806 / 714
Record Updated	Oct 29, 2026

April 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	654 HYDRO RD, MOUNT GILEAD, NC 27306-8711
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00562/0047
Date	Apr 25, 2006
Book Page	0562/0047
Instrument	05620612

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender
Address	LAKE FOREST, CA 92630

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	9.49%
Type Change Date	May 1, 2008
Change Frequency	6 Months
Min Rate At Change	9.49%
Max Rate At Change	12.4%
Index	6-Month LIBOR
Max Rate	16.4%

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	654 HYDRO RD, MOUNT GILEAD, NC 27306-8711
Transaction Type	Mortgage
Record Updated	May 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000604/114
Date	Oct 30, 2007
Book Page	604/114
Instrument	309303

Lender

Name	TAYLOR BEAN & WHITAKER MORTGAGE CORP
Type	Mortgage Company
Address	OCALA, FL 34475

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2037

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MONTGOMERY NC
Recording Date	Apr 19, 2018
Property Address	654 HYDRO RD, MOUNT GILEAD, NC 27306-8711
Document Number	00806/0714
Book / Page	0806 / 0714
Instrument Date	Mar 19, 2018
Instrument	354288
Transaction Type	Transfer
Record Updated	May 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 754, MOUNT GILEAD, NC 27306-0754

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6801 REGAL CIR, CONCORD, NC 28025-8218

Mortgage

Document Number	0000354289
Date	Apr 19, 2018
Instrument	354289

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

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		$157,127 (-) Land $67,636 Building $89,491	$157,127 (-) Land $67,636 Building $89,491
2025	$966.00	$157,127 (-) Land $67,636 Building $89,491	$157,127 (-) Land $67,636 Building $89,491
2023		$157,127 Land $67,636 Building $89,491	$157,127 Land $67,636 Building $89,491

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

Flood

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.

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	0.03% annual chance
Exposure	Direct 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 System	MONTGOMERY COUNTY WATER SYSTEM serves 15,362 people · EPA ID NC0362010
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025 Total trihalomethanes resolved · Apr 2025 Turbidity resolved · Feb 2019
Treatment and Procedure	Organic carbon removal Jan 2022
Monitoring and Reporting	10 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

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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