McDowell County property record for 103 Bernice St, Marion, NC 28752
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,610 sqft · built 1977 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | Company Name on File |
| Last Sale | $280,000 (Jul 2026) |
| Tax Bill | $1,387 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1702-01-09-6687 |
| Primary APN | 1702-01-09-6687 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,610 sqft Heated Area |
| Gross Area | 4,250 sqft |
| 1st Floor Area | 1,610 sqft |
| Basement Area | 1,610 sqft |
| Finished Basement | 1,610 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Area | 572 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 30001086 |
|---|---|
| Street Address | 103 BERNICE ST |
| City | MARION |
| State | NC |
| Zip | 28752-8219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 37 38 GREEN ACRES DE UN REC |
| Legal Lot Number | 37-38 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | MARION |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 970102 |
103 Bernice St is owned by a company that bought it in July 2026.
Source: McDowell County records, as of September 9, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 31071 CALIFORNIA 190, PORTERVILLE, CA 93257 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 31, 2026 | Deed of Trust, Mortgage · FHA Mortgage MOUNTAIN WEST FINANCIAL INC |
| Jul 27, 2026 | Warranty Deed, Transfer · FHA Mortgage MOUNTAIN WEST FINANCIAL INC |
| Dec 27, 2019 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2026 · Amount on File |
| Deed Sale | Jul 27, 2026 · Amount on File |
| Prior Sale | Sep 1, 1988 · Amount on File |
| Deed Document Number | 20263634 |
| Deed Book / Page | 1546 / 193 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Aug 31, 2026 |
| Property Address | 103 BERNICE ST, MARION, NC 28752-8219 |
| Document Number | 0000004376 |
| Book / Page | 1550 / 279 |
| Instrument Date | Aug 4, 2026 |
| Instrument | 20264376 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | KTL TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000004376, |
|---|---|
| Date | Aug 31, 2026 |
| Book Page | 1550/279 |
| Instrument | 20264376 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Jul 27, 2026 |
| Property Address | 103 BERNICE ST, MARION, NC 28752-8219 |
| Document Number | 0000003634 |
| Book / Page | 1546 / 193 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 20263634 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $56,560.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0000003641, |
|---|---|
| Date | Jul 27, 2026 |
| Instrument | 20263641 |
| Name | MOUNTAIN WEST FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | MARION, NC 28752 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012960663 |
|---|---|
| Date | Dec 27, 2019 |
| Book Page | 1296/0663 |
| Instrument | 2019006379 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 26, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 103 Bernice St was $1,387.
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,387.00 | $194,240 Land $40,000 Building $154,240 | |
| 2023 | $1,342.00 | $194,240 Land $40,000 Building $154,240 | $194,240 Land $40,000 Building $154,240 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Bernice St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 11 policies |
| Nearby Flood Policies | 11 in force |
| Nearby Flood Claims | 7 (2020–2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 103 Bernice St is moderate, ranking above 40% of the US, with a 0.08% annual chance of 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 | 0.08% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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