909 Onvil Rd, Mount Gilead, NC 27306 Property Records

Montgomery County property record for 909 Onvil Rd, Mount Gilead, NC 27306

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 2010
Lot Size	3.73 acres (162,479 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,023 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`7534 00 59 9553`

Property Details

APN / Parcel Number

Primary APN	`7534 00 59 9553`
Alternative APN	`74091`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Finished Area

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Exterior Material	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	162,479 sqft (3.73 acres)

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	74091
Street Address	909 ONVIL RD
City	MOUNT GILEAD
State	NC
Zip	27306-8646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	HAYWOOD HAYWOOD
Jurisdiction	MONTGOMERY NC
Township / Civil Division	CHEEK CREEK
Census Block Group	2
Census Block	2029
Census Tract	960502

Owner

Source: Montgomery County records, as of October 12, 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	909 ONVIL RD, MOUNT GILEAD, NC 27306-8646
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 13, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 28, 2017	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 19, 2010
Transfer Doc	651/105
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	909 ONVIL RD, MOUNT GILEAD, NC 27306-8646
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000931/65
Date	Sep 21, 2023
Book Page	931/65
Instrument	379843

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	909 ONVIL RD, MOUNT GILEAD, NC 27306-8646
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	885/535
Date	Oct 13, 2021
Book Page	885/535
Instrument	370689

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2041

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	909 ONVIL RD, MOUNT GILEAD, NC 27306-8646
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	885/550
Date	Oct 13, 2021
Book Page	885/550
Instrument	370690

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	TROY, NC 27371

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MONTGOMERY NC
Property Address	909 ONVIL RD, MOUNT GILEAD, NC 27306-8646
Transaction Type	Mortgage
Record Updated	Jan 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 353101
Date	Dec 28, 2017
Book Page	0801/0647
Instrument	353101

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$166,360 (-) Land $13,460 Building $152,900	$166,360 (-) Land $13,460 Building $152,900
2025	$1,023.00	$166,360 (-) Land $13,460 Building $152,900	$166,360 (-) Land $13,460 Building $152,900
2023		$166,360 Land $13,460 Building $152,900	$166,360 Land $13,460 Building $152,900

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 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	2 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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

No cell data coverage reported

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