7724 NC 97 E, Elm City, NC 27822 Property Records

Nash County property record for 7724 NC 97 E, Elm City, NC 27822

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,560 sqft · built 1910
Lot Size	1.25 acres (54,450 sqft)
Owner	2 Individual Names on File
Last Sale	$30,000 (Dec 1999)
Tax Bill	$1,893 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`372600-79-3585`

Property Details

APN / Parcel Number

Primary APN	`372600-79-3585`
Alternative APNs	`016232` `146157`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,560 sqft Heated Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2023
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Metal
Lot Area	54,450 sqft (1.25 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	146157
Street Address	7724 NC 97 E
City	ELM CITY
State	NC
Zip	27822-9474
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R40
Legal Description	1 25 AC, 20 A MAGGIE VALLEY S1 SPLIT OUT OF 372600398780 AC 1H 20 A MAGGIE VALLEY
Legal Subdivision	MAGGIE VALLEY SUBDIVISION
Jurisdiction	NASH NC
Township / Civil Division	ROCKY MOUNT
Census Block Group	2
Census Block	2020
Census Tract	11201

Owner

7724 NC 97 E is owned and occupied by two individuals who bought it in December 1999.

Source: Nash County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	7724 NC 97 E, ELM CITY, NC 27822-9474
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2023	Deed of Trust, Mortgage · Line of Credit PROVIDENCE BANK
Dec 21, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 1999 · Amount on File
Deed Sale	Dec 23, 1999 · Amount on File
Deed Book / Page	1704 / 819
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASH NC
Property Address	7724 NC 97 E, ELM CITY, NC 27822-9474
Transaction Type	Mortgage
Record Updated	Oct 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7724 EAST 97 HWY, ELM CITY, NC 27822

Mortgage

Document Number	003302/488
Date	Aug 23, 2023
Book Page	3302/488

Lender

Name	PROVIDENCE BANK
Type	Bank
Address	ROCKY MOUNT, NC 27804

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASH NC
Recording Date	Dec 21, 2021
Property Address	7724 NC 97 E, ELM CITY, NC 27822-9474
Document Number	003185/100
Book / Page	3185 / 100
Map Reference	MB 27 PG 212
Instrument Date	Dec 10, 2021
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Amount	Amount on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7805, ROCKY MOUNT, NC 27804-0805

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5373 WATER FRONT DR, ROCKY MOUNT, NC 27803-8601

Mortgage

Document Number	0003184694
Date	Dec 21, 2021
Instrument	3184/694

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 7724 NC 97 E was $1,893, up 0.5% from the year before.

Source: Nash County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Nash County
Unified School District	Nash-Rocky Mount Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,893.00 (+0.53%)	$227,470 (-) Land $21,100 Building $206,370	$227,470 (-) Land $21,100 Building $206,370
2025	$1,883.00	$227,470 Land $21,100 Building $206,370	$227,470 Land $21,100 Building $206,370
2023	$342.00	$27,130	$27,130 Land $21,100 Building $6,030

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

Flood

FEMA maps place 7724 NC 97 E in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

Source: FEMA National Flood Hazard Layer, effective September 18, 2025 · 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
Flood Insurance Cost	Premium on File median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020 · 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 7724 NC 97 E 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CENTRAL NASH WATER & SEWER serves 7,675 people · EPA ID NC4064005
Water Source	Purchased surface water from several systems
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on NC 97 E

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