McDowell County property record for 154 Spring St, Old Fort, NC 28762
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 972 sqft · built 1928 |
| Lot Size | 0.251 acres (10,950 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Oct 2023) |
| Tax Bill | $368 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659-06-49-7988 |
| Primary APN | 0659-06-49-7988 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 972 sqft Heated Area |
| Basement Area | 972 sqft |
| Unfinished Basement | 972 sqft |
| Flooring | Softwood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,950 sqft (0.251 acres) |
| Lot Dimensions | 150 ft deep x 73 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | None |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Oil |
| Account Number | 80444 |
|---|---|
| Street Address | 154 SPRING ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762-7751 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | TWO TRACTS |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 970700 |
154 Spring St is owned and occupied by an individual who bought it in October 2023.
Source: McDowell County records, as of September 29, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 154 N SPRING ST, OLD FORT, NC 28762-7622 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Oct 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Nov 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2023 · Amount on File |
| Deed Sale | Oct 4, 2023 · Amount on File |
| Deed Document Number | 0000144963 |
| Deed Book / Page | 1449 / 63 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Oct 4, 2023 |
| Property Address | 154 SPRING ST, OLD FORT, NC 28762-7751 |
| Document Number | 0014490063 |
| Book / Page | 1449 / 63 |
| Instrument Date | Oct 2, 2023 |
| Instrument | 2023004708 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 271 JONES SLOUGH RD, KINGSTON, GA 30145-2642 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 154 N SPRING ST, OLD FORT, NC 28762-7622 |
| Document Number | 0014490069 |
|---|---|
| Date | Oct 4, 2023 |
| Book Page | 1449/69 |
| Instrument | 2023004709 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24010 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 154 SPRING ST, OLD FORT, NC 28762-7751 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0013770202 |
|---|---|
| Date | Nov 15, 2021 |
| Book Page | 1377/202 |
| Instrument | 2021007341 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 154 Spring St was $368.
Source: McDowell County assessment roll, as of January 1, 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 | $368.00 | $54,370 Land $25,000 Building $29,370 | |
| 2023 | $357.00 (+14.06%) | $54,370 (+15.93%) Land $25,000 Building $29,370 | $54,370 (+15.93%) Land $25,000 Building $29,370 |
| 2022 | $313.00 | $46,900 Land $18,500 Building $28,400 | $46,900 Land $18,500 Building $28,400 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 154 Spring St in Zone X, an area of minimal flood risk, though there have been 20 flood claims nearby since 1983.
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 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 |
|
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 154 Spring St is moderate, ranking above 50% of the US, with a 0.1% annual chance of wildfire.
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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