274 Smith Hill Rd, Marion, NC 28752 Property Records

McDowell County property record for 274 Smith Hill Rd, Marion, NC 28752

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 770 sqft · built 1958
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on File
Tax Bill	$559 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0699-00-16-7364`

Property Details

APN / Parcel Number

Primary APN	`0699-00-16-7364`
Alternative APN	`71218`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	770 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	29,185 sqft (0.669 acres)
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air
Heating Fuel	Oil

Location & Zoning

Account Number	71218
Street Address	274 SMITH HILL RD
City	MARION
State	NC
Zip	28752-7646
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	.67 AC COMBINED (.40 .24 & .03 AC)
Jurisdiction	MCDOWELL NC
Township / Civil Division	MONTFORD COVE
Census Block Group	1
Census Block	1024
Census Tract	970902

Owner

274 Smith Hill Rd, a rural home, is owned and occupied by an individual who acquired it in October 2019.

Source: McDowell County records, as of September 29, 2025

Owner of Record	Individual Name on File
Mailing Address	274 SMITH HILL RD, MARION, NC 28752-7646
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 25, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Apr 16, 2018	Warranty Deed, Transfer STATE EMPS FCU/NY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2019
Deed Sale	Oct 25, 2019
Prior Sale	Apr 16, 2018 · Amount on File
Deed Document Number	0001290265
Deed Book / Page	1290 / 265
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	274 SMITH HILL RD, MARION, NC 28752-7646
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	LENDER RECORDING SERVICES IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012240414
Date	Sep 18, 2017
Book Page	1224/0414
Instrument	2017004524

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	BLACK MOUNTAIN, NC 28711

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 25, 2019
Property Address	274 SMITH HILL RD, MARION, NC 28752-7646
Document Number	0012900265
Book / Page	1290 / 0265
Map Reference	FILE 01105
Instrument Date	Oct 21, 2019
Instrument	2019005173
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	274 SMITH HILL RD, MARION, NC 28752-7646

Mortgage

Document Number	2019005174
Date	Oct 25, 2019
Instrument	2019005174

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Max Rate	6%

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 16, 2018
Property Address	274 SMITH HILL RD, MARION, NC 28752-7646
Document Number	0012410767
Book / Page	001241 / 000767
Instrument Date	Apr 16, 2018
Instrument	1659
Transaction Type	Transfer
Record Updated	May 23, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$242.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	274 SMITH HILL RD MARION NC 287527646, MARION, NC 28752-7646

Mortgage

Document Number	12410772
Date	Apr 16, 2018
Book Page	001241/000772
Instrument	1660

Lender

Name	STATE EMPS FCU/NY
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

The 2025 property tax bill for 274 Smith Hill Rd was $559.

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	$559.00	$79,020 Land $20,000 Building $59,020
2023	$559.00	$79,020 Land $20,000 Building $59,020	$79,020 Land $20,000 Building $59,020

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

Flood

FEMA maps place 274 Smith Hill Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective December 13, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 274 Smith Hill Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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