2305 Rutherford Rd, Marion, NC 28752 Property Records

McDowell County property record for 2305 Rutherford Rd, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1953
Lot Size	0.706 acres (30,751 sqft)
Owner	2 Individual Names on File
Last Sale	$244,000 (Apr 2026)
Tax Bill	$343 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`1710-02-59-6915`

Property Details

APN / Parcel Number

Primary APN	`1710-02-59-6915`
Alternative APNs	`71977` `78729`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	768 sqft Heated Area
Gross Area	1,008 sqft
1st Floor Area	768 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	30,751 sqft (0.706 acres)
Lot Dimensions	161 ft deep x 191 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	78729
Street Address	2305 RUTHERFORD RD
City	MARION
State	NC
Zip	28752-4894
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 YOUNG CREEK S/DPB2 PG52
Legal Subdivision	YOUNG CREEK
Legal Lot Number	4
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	1
Census Block	1027
Census Tract	970500

Owner

2305 Rutherford Rd is owned and occupied by two individuals who bought it in April 2026.

Source: McDowell County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2305 RUTHERFORD RD, MARION, NC 28752-4894
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Apr 22, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Oct 21, 2022	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Apr 2, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2026 · Amount on File
Deed Sale	Apr 22, 2026 · Amount on File
Prior Sale	Oct 21, 2022 · Amount on File
Deed Document Number	20261894
Deed Book / Page	1535 / 826
Prior Transfer Date	Apr 1, 2020
Prior Transfer Doc	0013050414
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 22, 2026
Property Address	2305 RUTHERFORD RD, MARION, NC 28752-4894
Document Number	0000001894
Book / Page	1535 / 826
Instrument Date	Apr 21, 2026
Instrument	2026.1894
Transaction Type	Transfer
Record Updated	May 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,288.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2305 RUTHERFORD RD, MARION, NC 28752-4894

Mortgage

Document Number	0000001895,
Date	Apr 22, 2026
Book Page	1535/830
Instrument	2026.1895

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 21, 2022
Property Address	USHWY 221, MARION, NC 28752
Document Number	0014160968
Book / Page	1416 / 968
Map Reference	MB 2 PG 52
Instrument Date	Oct 18, 2022
Instrument	2022006198
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 831, MARION, NC 28752-0831

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2350 RUTHERFORD RD, MARION, NC 28752

Mortgage

Document Number	2022006199
Date	Oct 21, 2022
Instrument	2022006199

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 2, 2020
Property Address	USHWY 221, MARION, NC 28752
Document Number	0013050414
Book / Page	001305 / 000414
Instrument Date	Apr 1, 2020
Instrument	1585
Transaction Type	Transfer
Record Updated	Jun 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 831 MARION NC 287520831, MARION, NC 28752-0831

Tax Assessment & Valuation

The 2025 property tax bill for 2305 Rutherford Rd was $343.

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Municipality	Marion City
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$343.00	$57,420 Land $25,000 Building $32,420
2023	$343.00	$57,420 Land $25,000 Building $32,420	$57,420 Land $25,000 Building $32,420

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 2305 Rutherford Rd in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	13 (1983–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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 2305 Rutherford Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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	CITY OF MARION serves 9,362 people · EPA ID NC0156010
Water Source	Surface water
Last State Inspection	Jun 2025
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	6 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 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Optimum Cable	940 / 35
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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