195 Spring St, Old Fort, NC 28762 Property Records

McDowell County property record for 195 Spring St, Old Fort, NC 28762

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1950
Lot Size	0.23 acres (10,000 sqft)
Owner	2 Individual Names on File
Last Sale	$37,000 (Aug 2008)
Tax Bill	$447 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0750-18-40-5110`

Property Details

APN / Parcel Number

Primary APN	`0750-18-40-5110`
Alternative APNs	`52018` `77089`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,200 sqft Heated Area
Gross Area	1,790 sqft
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Plywood

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1962
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,000 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	77089
Street Address	195 SPRING ST
City	OLD FORT
State	NC
Zip	28762-7751
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 BLK A PB1/26
Legal Subdivision	HUGHES
Legal Block	A
Legal Lot Number	11
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	1
Census Block	1064
Census Tract	970700

Owner

195 Spring St is owned and occupied by two individuals who acquired it in October 2010.

Source: McDowell County records, as of December 2, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	195 SPRING ST, OLD FORT, NC 28762-7751
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2008 · Amount on File
Deed Sale	Aug 19, 2008 · Amount on File
Deed Document Number	20085328
Deed Book / Page	972 / 240
Last Transfer Date	Oct 18, 2010
Transfer Doc	0010300833
Record Updated	Jun 8, 2026

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Mar 15, 2022
Property Address	195 SPRING ST, OLD FORT, NC 28762-7751
Document Number	0013910619
Book / Page	1391 / 619
Map Reference	MB 1 PG 26
Instrument Date	Mar 9, 2022
Instrument	2022001559
Transaction Type	Transfer
Record Updated	Mar 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	195 SPRING ST, OLD FORT, NC 28762-7751

Mortgage

Document Number	2022001560
Date	Mar 15, 2022
Instrument	2022001560

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

Tax Assessment & Valuation

The 2025 property tax bill for 195 Spring St was $447.

Source: McDowell County assessment roll, as of September 30, 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	$447.00	$65,970 Land $20,000 Building $45,970
2023	$434.00	$65,970 Land $20,000 Building $45,970	$65,970 Land $20,000 Building $45,970

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

Flood

FEMA maps place 195 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	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 195 Spring St is moderate, ranking above 48% 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 48% of the US · above 70% 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.

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 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