Surry County property record for 728 Shoals Rd, Pinnacle, NC 27043
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 2,430 sqft · built 1971 |
| Lot Size | 1.68 acres (73,181 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,439 (2026) |
| Deeds & Mortgages | Jan 2020 Refinance Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 5955-00-82-0658 |
| Primary APN | 5955-00-82-0658 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,430 sqft Living Area |
| 1st Floor Area | 1,930 sqft |
| Basement Area | 1,930 sqft |
| Finished Basement | 500 sqft |
| Unfinished Basement | 1,430 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Brick Veneer |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Wood Shingle |
| Lot Area | 73,181 sqft (1.68 acres) |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Porch | Slab |
| Porch Area | 306 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 23296500 |
|---|---|
| Street Address | 728 SHOALS RD |
| City | PINNACLE |
| State | NC |
| Zip | 27043-9116 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RA |
| Legal Description | SHOALS RD |
| Legal Subdivision | PILOT A - RESIDENTIAL |
| Jurisdiction | SURRY NC |
| Township / Civil Division | PILOT |
| Census Block Group | 3 |
| Census Block | 3018 |
| Census Tract | 931200 |
728 Shoals Rd, a rural home, is owned and occupied by two individuals who acquired it in May 1971.
Source: Surry County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 728 SHOALS RD, PINNACLE, NC 27043-9116 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 31, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance ALLEGACY FEDERAL CREDIT UNTION |
| Jul 1, 2019 | Deed of Trust, Mortgage · Balloon Mortgage PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 1971 |
| Deed Sale | May 1, 1971 |
| Deed Book / Page | 293 / 262 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 728 SHOALS RD, PINNACLE, NC 27043-9116 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 1697/938 |
|---|---|
| Date | Jan 31, 2020 |
| Book Page | 1697/938 |
| Instrument | 670026 |
| Name | ALLEGACY FEDERAL CREDIT UNTION |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SURRY NC |
| Property Address | 728 SHOALS RD, PINNACLE, NC 27043-9116 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2019 |
| Name | Verified Name |
|---|
| Document Number | 1673/692 |
|---|---|
| Date | Jul 1, 2019 |
| Book Page | 1673/692 |
| Instrument | 664445 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 728 Shoals Rd was $1,439, up 6.5% from the year before.
Source: Surry County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Surry County |
| Unified School District | Surry County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,439.00 (+6.51%) | $195,270 (-17.78%) Land $19,660 Building $175,610 | $195,270 (-17.78%) Land $19,660 Building $175,610 |
| 2025 | $1,351.00 | $237,490 Land $24,190 Building $213,300 | $237,490 Land $24,190 Building $213,300 |
| 2023 | $237.00 | $195,270 Land $19,660 Building $175,610 | $195,270 Land $19,660 Building $175,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 728 Shoals Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective January 11, 2026
| 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 risk around 728 Shoals Rd 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 23 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surry Telephone Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
5G and 4G LTE (outdoors only)
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