882 Oak St, Troy, NC 27371 Property Records

Montgomery County property record for 882 Oak St, Troy, NC 27371

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,286 sqft · built 1994
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Tax Bill	$587 (2025)
Deeds & Mortgages	Jan 2019 Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`7538 13 03 5616`

Property Details

APN / Parcel Number

Primary APN	`7538 13 03 5616`
Alternative APN	`70776`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,286 sqft Finished Area

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	70776
Street Address	882 OAK ST
City	TROY
State	NC
Zip	27371-3124
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	CURTIS PROP LOT 1 OF TRACT 106 CURTIS #1 OF TRACT 106
Legal Tract	106
Legal Lot Number	1
Jurisdiction	MONTGOMERY NC
Township / Civil Division	TROY
Census Block Group	1
Census Block	1080
Census Tract	960202

Owner

882 Oak St is owned and occupied by two individuals who acquired it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	882 OAK ST, TROY, NC 27371-3124
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2003
Deed Sale	Nov 1, 2003
Deed Book / Page	491 / 647
Last Transfer Date	Dec 28, 2018
Transfer Doc	00819/0560
Record Updated	Oct 29, 2026

January 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MONTGOMERY NC
Recording Date	Jan 2, 2019
Property Address	882 OAK ST, TROY, NC 27371-3124
Document Number	00819/0560
Book / Page	0819 / 0560
Map Reference	CAB G SL 40-C
Instrument Date	Dec 28, 2018
Instrument	357195
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	882 OAK ST, TROY, NC 27371-3124

Mortgage

Document Number	0000357196
Date	Jan 2, 2019
Instrument	357196

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Jan 1, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 882 Oak St was $587.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$90,363 (-5.34%) Land $7,440 Building $82,923	$90,363 (-5.34%) Land $7,440 Building $82,923
2025	$587.00	$95,464 Land $7,440 Building $88,024	$95,464 Land $7,440 Building $88,024
2023		$95,464 Land $7,440 Building $88,024	$95,464 Land $7,440 Building $88,024

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

Flood

FEMA maps place 882 Oak St in Zone X, an area of minimal flood risk.

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	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

Wildfire risk around 882 Oak St 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	TOWN OF TROY serves 3,591 people · EPA ID NC0362020
Water Source	Purchased surface water from MONTGOMERY COUNTY WATER SYSTEM
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Haloacetic acids resolved · Jul 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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