109 E Spring Wheel Dr, Old Fort, NC 28762 Property Records

McDowell County property record for 109 E Spring Wheel Dr, Old Fort, NC 28762

Property Summary

Property Type	Other Improved
Details	2,052 sqft · built 2021
Lot Size	3.25 acres (141,570 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (Apr 2025)
Tax Bill	$2,430 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0750-00-82-3850`

Property Details

APN / Parcel Number

Primary APN	`0750-00-82-3850`
Alternative APNs	`76428` `78448`

Interior

Stories	1 Story
Building Area	2,052 sqft Total Area
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	141,570 sqft (3.25 acres)
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	78448
Street Address	109 E SPRING WHEEL DR
City	OLD FORT
State	NC
Zip	28762-0716
Property Category	Other
Property Type	Other > Other Improved
Legal Description	3.250 AC PER PB 18/53
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	1
Census Block	1001
Census Tract	970700

Owner

Source: McDowell County records, as of September 29, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	109 E SPRING WHEEL DR, OLD FORT, NC 28762-0716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 24, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2025 · Amount on Record
Deed Sale	Apr 14, 2025 · Amount on Record
Prior Sale	Aug 23, 2022 · Amount on Record
Deed Document Number	2025001752
Deed Book / Page	1498 / 172
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Aug 23, 2022
Property Address	109 E SPRING WHEEL DR, OLD FORT, NC 28762-0716
Document Number	0014100710
Book / Page	1410 / 710
Map Reference	MB 18 PG 53
Instrument Date	Aug 19, 2022
Instrument	2022005070
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 COACHMAN HILLS DR, OLD FORT, NC 28762-7748

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014100713
Date	Aug 23, 2022
Book Page	1410/713
Instrument	2022005071

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 24, 2021
Property Address	109 E SPRING WHEEL DR, OLD FORT, NC 28762-0716
Document Number	0013780659
Book / Page	1378 / 659
Instrument Date	Nov 23, 2021
Instrument	2021007604
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$472.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	31 MEDICAL PARK DR # DR2, DR2, MARION, NC 28752-5485

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SPRING ST, OLD FORT, NC 28762-7751

Mortgage

Document Number	2021007605
Date	Nov 24, 2021
Instrument	2021007605

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,430.00 (+2.92%)	$343,230 (-) Land $64,380 Building $278,850
2023	$2,361.00	$343,230 Land $64,380 Building $278,850	$343,230 Land $64,380 Building $278,850

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 December 13, 2016 · 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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	20 (1983–2024)
Claims Outside the SFHA	6 of 20
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 14 claims

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 58% of the US · above 80% of North Carolina
Wildfire Likelihood	0.1% 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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