McDowell County property record for 1281 Sr, Old Fort, NC 28762
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,460 sqft · built 2018 |
| Lot Size | 1.22 acres (53,143 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $24,000 (Sep 2017) |
| Tax Bill | $2,296 (2025) |
| Deeds & Mortgages | Mar 2018 Line of Credit Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0669-00-40-0472 |
| Primary APN | 0669-00-40-0472 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,460 sqft Heated Area |
| Gross Area | 2,192 sqft |
| 1st Floor Area | 1,460 sqft |
| Flooring | Hardwood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 53,143 sqft (1.22 acres) |
| Lot Width | 187 ft Width |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Vinyl Pool |
| Pool Area | 684 sqft |
| Porch | Slab |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 67001 |
|---|---|
| Street Address | 1281 SR |
| City | OLD FORT |
| State | NC |
| Zip | 28762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | T.B. FAW LD. |
| Legal Subdivision | JAMES DAVID FAW |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | CROOKED CREEK |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 970800 |
1281 Sr, a rural home, is owned by two individuals who bought it in September 2017.
Source: McDowell County records, as of December 2, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 527 MAPLE DR, OLD FORT, NC 28762-8657 |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 |
|---|---|
| Mar 29, 2018 | Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR |
| Sep 1, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 1, 2017 · Amount on File |
| Deed Sale | Sep 1, 2017 · Amount on File |
| Deed Document Number | 20174302 |
| Deed Book / Page | 1223 / 296 |
| Prior Transfer Date | Mar 1, 2013 |
| Prior Transfer Doc | 0011060415 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | SR 1281, OLD FORT, NC 28762 |
| Document Number | 0012480765 |
| Instrument Date | Mar 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2018 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 527 MAPLE DR OLD FORT NC 287628657, OLD FORT, NC 28762-8657 |
| Document Number | 0012480765 |
|---|---|
| Date | Jul 2, 2018 |
| Book Page | 001248/000765 |
| Instrument | 3027 |
| Name | BRANCH BK&TR |
|---|---|
| Type | Bank |
| Address | WHITYEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Sep 1, 2017 |
| Property Address | SR 1281, OLD FORT, NC 28762 |
| Document Number | 0012230296 |
| Book / Page | 001223 / 000296 |
| Instrument Date | Aug 28, 2017 |
| Instrument | 4302 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $48.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 532 MAPLE DR OLD FORT NC 287628657, OLD FORT, NC 28762-8657 |
The 2025 property tax bill for 1281 Sr was $2,296.
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 | $2,296.00 | $324,310 Land $35,000 Building $289,310 | |
| 2023 | $2,231.00 | $324,310 Land $35,000 Building $289,310 | $324,310 Land $35,000 Building $289,310 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1281 Sr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2018.
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 |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 6 (2018–2024) |
| Claims Outside the SFHA | 3 of 6 |
| 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 1281 Sr is moderate, ranking above 40% of the US, with a 0.07% 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 | 0.07% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ROYAL GORGE WATER UTILITY private · serves 950 people · EPA ID NC0111118 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2025 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 39 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 |
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