McDowell County property record for 134 Spring St, Old Fort, NC 28762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,147 sqft · built 1948 |
| Lot Size | 0.345 acres (15,000 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $295,000 (Sep 2023) |
| Tax Bill | $572 (2025) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Nov 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659-06-49-8953 |
| Primary APN | 0659-06-49-8953 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,147 sqft Heated Area |
| Gross Area | 1,539 sqft |
| 1st Floor Area | 1,147 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 15,000 sqft (0.345 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Heating Fuel | Oil |
| Account Number | 80404 |
|---|---|
| Street Address | 134 SPRING ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 0.34 AC SURVEY 7/25/89 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 970700 |
Source: McDowell County records, as of December 2, 2025
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 | 134 SPRING ST, OLD FORT, NC 28762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Date | Document |
|---|---|
| Sep 28, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU |
| Nov 4, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jun 28, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2023 · Amount on Record |
| Deed Sale | Sep 28, 2023 · Amount on Record |
| Prior Sale | Jun 28, 2018 · Amount on Record |
| Deed Document Number | 20234593 |
| Prior Transfer Date | Jul 29, 2008 |
| Prior Transfer Doc | 0009710306 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Sep 28, 2023 |
| Property Address | 134 SPRING ST, OLD FORT, NC 28762 |
| Document Number | 0014480345 |
| Book / Page | 1448 / 345 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 2023004593 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $590.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 194 KNOLLWOOD DR, MARION, NC 28752-9245 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 134 SPRING ST, OLD FORT, NC 28762 |
| Document Number | 2023004594 |
|---|---|
| Date | Sep 28, 2023 |
| Instrument | 2023004594 |
| Name | LOCAL GOVERNMENT FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.4% |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 5.4% |
| Max Rate At Change | 9.4% |
| Index | 5-Year TN |
| Max Rate | 13.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 134 SPRING ST, OLD FORT, NC 28762 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0013750953 |
|---|---|
| Date | Nov 4, 2021 |
| Book Page | 1375/953 |
| Instrument | 2021007143 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Jun 28, 2018 |
| Property Address | 134 SPRING ST, OLD FORT, NC 28762 |
| Document Number | 0012480297 |
| Book / Page | 1248 / 0297 |
| Instrument Date | Jun 28, 2018 |
| Instrument | 2018002950 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $248.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 134 SPRING ST, OLD FORT, NC 28762 |
| Document Number | 2018002951 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018002951 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Municipality | Old Fort Town |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $572.00 (+3.44%) | $84,170 (-) Land $40,000 Building $44,170 | |
| 2023 | $553.00 (+28.31%) | $84,170 (+30.35%) Land $40,000 Building $44,170 | $84,170 (+30.35%) Land $40,000 Building $44,170 |
| 2022 | $431.00 | $64,570 Land $25,000 Building $39,570 | $64,570 Land $25,000 Building $39,570 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 71% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 179 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 |
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