284 E Main St, Old Fort, NC 28762 Property Records

McDowell County property record for 284 E Main St, Old Fort, NC 28762 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,235 sqft · built 1940
Lot Size	0.916 acres (39,900 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,719 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0659-07-69-1536`

Property Details

APN / Parcel Number

Primary APN	`0659-07-69-1536`
Alternative APN	`38181`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,235 sqft Heated Area
Gross Area	3,381 sqft
1st Floor Area	1,619 sqft
Basement Area	550 sqft
Unfinished Basement	550 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1990
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	39,900 sqft (0.916 acres)
Lot Dimensions	300 ft deep x 133 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	38181
Street Address	284 E MAIN ST
City	OLD FORT
State	NC
Zip	28762
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	1
Census Block	1051
Census Tract	970700

Owner

Source: McDowell County records · APN 0659-07-69-1536

Assessment roll updated September 30, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 1915, OLD FORT, NC 28762-1915
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Line of Credit MOUNTAIN BIXCAPITAL INC
Oct 23, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 28, 2023	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 01, 2004
Deed Sale	May 01, 2004
Deed Book / Page	779 / 667
Record Updated	Jun 08, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	284 E MAIN ST, OLD FORT, NC 28762
Transaction Type	Mortgage
Record Updated	Apr 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 E MAIN ST, OLD FORT, NC 28762

Mortgage

Document Number	0015330216
Date	Mar 27, 2026
Book Page	1533/216
Instrument	2026001428

Lender

Name	MOUNTAIN BIXCAPITAL INC
Type	Non-Lending Institution
Address	ASHEVILLE, NC 28801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Apr 01, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	284 E MAIN ST, OLD FORT, NC 28762
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 E MAIN ST, OLD FORT, NC 28762

Mortgage

Document Number	0015180035
Date	Oct 23, 2025
Book Page	1518/35
Instrument	2025005265

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	S MAIN ST, OLD FORT, NC 28762
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	284 E MAIN ST, OLD FORT, NC 28762-4518

Mortgage

Document Number	0014420814
Date	Jul 28, 2023
Book Page	1442/814
Instrument	2023003522

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: McDowell County records · Assessment roll updated September 30, 2025 · Last verified April 2026

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,719.00 (+3%)	$253,680 (-) Land $60,000 Building $193,680
2023	$1,669.00	$253,680 Land $60,000 Building $193,680	$253,680 Land $60,000 Building $193,680

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, McDowell County (37111C), updated December 13, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371119707001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Nearby Flood Policies	17 in force
Nearby Flood Claims	20 (1983–2024)
Claims Outside the SFHA	6 of 20
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 14 claims

Wildfire

Wildfire Risk	Low above 37% of the US · above 52% of North Carolina
Wildfire Likelihood	About 1 in 2,041 per year
Exposure	Indirect within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 179 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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