133 Westerman St, Old Fort, NC 28762 Property Records

McDowell County property record for 133 Westerman St, Old Fort, NC 28762

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1960
Lot Size	0.179 acres (7,800 sqft)
Owner	Individual Name on File
Last Sale	$240,000 (May 2022)
Tax Bill	$375 (2025)
Deeds & Mortgages	May 2022 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`0659-06-38-5309`

Property Details

APN / Parcel Number

Primary APN	`0659-06-38-5309`
Alternative APNs	`31673` `77451`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	888 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,800 sqft (0.179 acres)
Lot Dimensions	130 ft deep x 60 ft wide
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	77451
Street Address	133 WESTERMAN ST
City	OLD FORT
State	NC
Zip	28762-9457
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.169 AC SURVEY 3/9/01
Legal Subdivision	SAL LANDS SUB
Legal Block	5
Legal Lot Number	2
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	1
Census Block	1067
Census Tract	970700

Owner

133 Westerman St is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	60 PARK AVE N, ASHEVILLE, NC 28801-3113
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2022 · Amount on File
Deed Sale	May 4, 2022 · Amount on File
Deed Document Number	0000139868
Deed Book / Page	1398 / 68
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 4, 2022
Property Address	133 WESTERMAN ST, OLD FORT, NC 28762-9457
Document Number	0013980068
Book / Page	1398 / 68
Instrument Date	Apr 28, 2022
Instrument	2022002691
Transaction Type	Construction Loan
Record Updated	May 12, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	342 DEEP WOODS DR, 342, MARION, NC 28752-9296

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 WESTERMAN ST, OLD FORT, NC 28762-9457

Mortgage

Document Number	2022002692
Date	May 4, 2022
Instrument	2022002692

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 133 Westerman St was $375.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$375.00	$55,430 Land $15,000 Building $40,430
2023	$364.00	$55,430 Land $15,000 Building $40,430	$55,430 Land $15,000 Building $40,430

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 133 Westerman 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 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

Wildfire risk around 133 Westerman St is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF OLD FORT serves 1,700 people · EPA ID NC0156025
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 143 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