190 Lightning Ridge Dr, Marion, NC 28752 Property Records

McDowell County property record for 190 Lightning Ridge Dr, Marion, NC 28752

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 3,010 sqft · built 1983
Lot Size	13.6 acres (592,852 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Oct 2025)
Tax Bill	$2,504 (2025)
Deeds & Mortgages	Jul 2024 Mortgage Oct 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0780-00-56-5405`

Property Details

APN / Parcel Number

Primary APN	`0780-00-56-5405`
Alternative APN	`43938`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,010 sqft Heated Area
Gross Area	4,250 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	592,852 sqft (13.6 acres)
Garage Type	Mixed
Garage Area	360 sqft
Carport	Carport
Carport Area	480 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	43938
Street Address	190 LIGHTNING RIDGE DR
City	MARION
State	NC
Zip	28752-5939
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	DIST:07 CITY/MUNI/TWP:MONTFORD COVE MAP REF:MAP:7800
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	3
Census Block	3019
Census Tract	970600

Owner

190 Lightning Ridge Dr, a rural home, is owned by two individuals who bought it in October 2025.

Source: McDowell County records, as of November 14, 2025

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	5521 TEAKWOOD RD, HICKORY, NC 28602-9257
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

Date	Document
Jul 11, 2024	Deed of Trust, Mortgage RPI ASSOCIATES INC
Oct 30, 2025	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 18, 2018	Deed of Trust, Mortgage · ARM FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	4 Names on Deed
Last Sale	Oct 30, 2025 · Amount on File
Deed Sale	Oct 30, 2025 · Amount on File
Prior Sale	Dec 12, 2006 · Amount on File
Deed Document Number	2025005403
Deed Book / Page	1518 / 795
Record Updated	Jun 8, 2026

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	190 LIGHTNING RIDGE DR, MARION, NC 28752-5939
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 RUTHERFORD RD, MARION, NC 28752-5657

Mortgage

Document Number	0014730639
Date	Jul 11, 2024
Book Page	1473/639
Instrument	2024003173

Lender

Name	RPI ASSOCIATES INC
Type	Non-Lending Institution
Address	MARION, NC 28752

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 11, 2034

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 30, 2025
Property Address	190 LIGHTNING RIDGE DR, MARION, NC 28752-5939
Document Number	0015180795
Book / Page	1518 / 795
Map Reference	MB 46 PG 67
Instrument Date	Oct 30, 2025
Instrument	2025005403
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1846 DEER PARK RD, NEBO, NC 28761-8738

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5521 TEAKWOOD RD, HICKORY, NC 28602-9257

Mortgage

Document Number	2025005404
Date	Oct 30, 2025
Instrument	2025005404

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	190 LIGHTNING RIDGE DR, MARION, NC 28752-5939
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012410984
Date	Apr 18, 2018
Book Page	1241/0984
Instrument	2018001698

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	181 Months
Due	May 1, 2033

Interest

Rate Type	Adjustable Rate
Rate	3.97%
Type Change Date	May 1, 2025
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.97%
Index	1-Year LIBOR
Max Rate	9.97%

Tax Assessment & Valuation

The 2025 property tax bill for 190 Lightning Ridge Dr was $2,504.

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	$2,504.00	$353,700 Land $57,160 Building $296,540
2023	$2,504.00	$353,700 Land $57,160 Building $296,540	$353,700 Land $57,160 Building $296,540

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 190 Lightning Ridge Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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	2 in force
Nearby Flood Claims	2 (2021–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 190 Lightning Ridge Dr 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lightning Ridge Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures