797 Hidden Valley Rd, Lowgap, NC 27024 Property Records

Surry County property record for 797 Hidden Valley Rd, Lowgap, NC 27024

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,257 sqft · built 1978
Lot Size	2.43 acres (105,851 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,515 (2026)
Deeds & Mortgages	Apr 2021 Refinance Jul 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`4050-00-75-4120`

Property Details

APN / Parcel Number

Primary APN	`4050-00-75-4120`
Alternative APN	`100073374`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,257 sqft Living Area
1st Floor Area	2,929 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1996
Exterior Material	Brick Veneer
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	105,851 sqft (2.43 acres)
Lot Width	245 ft Width
Garage Area	480 sqft

Exterior Amenities

Porch	Slab
Porch Area	197 sqft
Patio Area	528 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100073374
Street Address	797 HIDDEN VALLEY RD
City	LOWGAP
State	NC
Zip	27024-9020
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA
Legal Description	LOT 6
Legal Subdivision	WESTERN MOUNTAINS
Legal Lot Number	6
Jurisdiction	SURRY NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1015
Census Tract	930804

Owner

Source: Surry County records, as of September 29, 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	PO BOX 165, LOWGAP, NC 27024-0165
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance ALLEGACY FEDERAL CREDIT UNTION
Jul 29, 2019	Deed of Trust, Mortgage · Balloon Mortgage ALLEGACY FEDERAL CREDIT UNTION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2004
Deed Sale	Mar 1, 2004
Prior Sale	Nov 1, 1982 · Amount on Record
Deed Book / Page	1002 / 1054
Last Transfer Date	Jan 14, 2011
Transfer Doc	1352/0743
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	797 HIDDEN VALLEY RD, LOWGAP, NC 27024-9020
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1759/379
Date	Apr 29, 2021
Book Page	1759/379
Instrument	683547

Lender

Name	ALLEGACY FEDERAL CREDIT UNTION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	797 HIDDEN VALLEY RD, LOWGAP, NC 27024-9020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1676/729
Date	Jul 29, 2019
Book Page	1676/729
Instrument	665179

Lender

Name	ALLEGACY FEDERAL CREDIT UNTION

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Surry County assessment roll, as of September 29, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,515.00 (-2.63%)	$210,070 (-12.74%) Land $18,000 Building $192,070	$210,070 (-12.74%) Land $18,000 Building $192,070
2025	$1,556.00 (+77.42%)	$240,730 (+51.35%) Land $18,000 Building $222,730	$240,730 (+51.35%) Land $18,000 Building $222,730
2023	$877.00	$159,050 Land $18,000 Building $141,050	$159,050 Land $18,000 Building $141,050

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 January 11, 2026 · 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	1 in force

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

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Surry Telephone Fiber	1,000 / 1,000
Fastlink Communications Fixed Wireless	100 / 25

Cell Coverage

No cell data coverage reported

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