302 W Payne Rd, Marion, NC 28752 Property Records

McDowell County property record for 302 W Payne Rd, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,670 sqft · built 2021
Owner	2 Individual Names on File
Last Sale	$500 (Jan 2021)
Tax Bill	$3,501 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0689-00-15-1194`

Property Details

APN / Parcel Number

Primary APN	`0689-00-15-1194`
Alternative APN	`69376`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,670 sqft Heated Area
Basement Area	1,670 sqft
Finished Basement	1,670 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	69376
Street Address	302 W PAYNE RD
City	MARION
State	NC
Zip	28752-7603
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.36 AC PER PB 35/45
Jurisdiction	MCDOWELL NC
Township / Civil Division	MONTFORD COVE
Census Block Group	4
Census Block	4018
Census Tract	970902

Owner

302 W Payne Rd is owned by two individuals who bought it in January 2021.

Source: McDowell County records, as of September 29, 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
Co-owner	Co-owner on File
Mailing Address	235 DEADEND DR, MARION, NC 28752-7968
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK & TRUST CO
Jan 30, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 8, 2023	Deed of Trust, Mortgage WNC PROPERTIES A LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 5, 2021 · Amount on File
Deed Sale	Jan 5, 2021 · Amount on File
Deed Document Number	0001336129
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	302 W PAYNE RD, MARION, NC 28752
Transaction Type	Mortgage
Record Updated	Feb 9, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 W PAYNE RD, MARION, NC 28752

Mortgage

Document Number	0014580427
Date	Jan 30, 2024
Book Page	1458/427
Instrument	2024000441

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	302 W PAYNE RD, MARION, NC 28752
Transaction Type	Mortgage
Record Updated	Feb 9, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 W PAYNE RD, MARION, NC 28752

Mortgage

Document Number	0014580444
Date	Jan 30, 2024
Book Page	1458/444
Instrument	2024000442

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	302 W PAYNE RD, MARION, NC 28752-7603
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	235 DEADEND DR, MARION, NC 28752-7968

Mortgage

Document Number	0014430809
Date	Aug 8, 2023
Book Page	1443/809
Instrument	2023003718

Lender

Name	WNC PROPERTIES A LLC
Type	Non-Lending Institution
Address	MARION, NC 28752

Agreement

Amount	Amount on Record
Term	6 Months
Due	Feb 3, 2024

Tax Assessment & Valuation

The 2025 property tax bill for 302 W Payne Rd was $3,501.

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	$3,501.00	$494,570 Land $22,500 Building $472,070
2023	$2,562.00	$361,970 Land $22,500 Building $339,470	$494,570 Land $22,500 Building $472,070

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

Flood

FEMA maps place 302 W Payne 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 302 W Payne Rd is moderate, ranking above 40% of the US, with a 0.07% 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	0.07% 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 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Optimum Cable	940 / 35

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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