897 Carson Creek Rd, Lowgap, NC 27024 Property Records

Surry County property record for 897 Carson Creek Rd, Lowgap, NC 27024

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,552 sqft · built 1995
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,286 (2026)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`4041-00-35-3033`

Property Details

APN / Parcel Number

Primary APN	`4041-00-35-3033`
Alternative APN	`100080223`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,552 sqft Living Area
1st Floor Area	988 sqft
Flooring	Carpet
Interior Walls	Custom/Decorative
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2011
Exterior Material	Wood
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	52,708 sqft (1.21 acres)
Lot Width	97 ft Width
Porch	Slab
Porch Area	1,104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	100080223
Street Address	897 CARSON CREEK RD
City	LOWGAP
State	NC
Zip	27024-9244
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RR
Legal Description	CARSON CREEK RD
Legal Subdivision	LOWGAP
Legal Tract	A
Jurisdiction	SURRY NC
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3003
Census Tract	930803

Owner

Source: Surry County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	897 CARSON CREEK RD, LOWGAP, NC 27024-9244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Aug 2, 2023	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 3, 2019	Deed of Trust, Mortgage · Balloon Mortgage CAPITAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 1995
Deed Sale	May 1, 1995
Deed Book / Page	580 / 255
Last Transfer Date	Feb 22, 2012
Transfer Doc	1393/0352
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	897 CARSON CREEK RD, LOWGAP, NC 27024-9244
Transaction Type	Mortgage
Record Updated	Aug 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001864/449
Date	Aug 3, 2023
Book Page	1864/449
Instrument	707797

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	897 CARSON CREEK RD, LOWGAP, NC 27024-9244
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	001864/224
Date	Aug 2, 2023
Book Page	1864/224
Instrument	707733

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2038

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SURRY NC
Property Address	897 CARSON CREEK RD, LOWGAP, NC 27024-9244
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	1684/637
Date	Oct 3, 2019
Book Page	1684/637
Instrument	666981

Lender

Name	CAPITAL BANK NA
Type	Bank

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	$1,286.00 (-2.8%)	$171,100 (-19.04%) Land $14,300 Building $156,800	$171,100 (-19.04%) Land $14,300 Building $156,800
2025	$1,323.00 (+40.15%)	$211,340 (+23.52%) Land $14,300 Building $197,040	$211,340 (+23.52%) Land $14,300 Building $197,040
2023	$944.00	$171,100 Land $14,300 Building $156,800	$171,100 Land $14,300 Building $156,800

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

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 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

4G LTE only, no 5G reported

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