McDowell County property record for 309 E Main St, Old Fort, NC 28762 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,008 sqft · built 1967 |
| Lot Size | 0.054 acres (2,340 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Oct 2019) |
| Tax Bill | $405 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659-07-69-0916 |
| Primary APN | 0659-07-69-0916 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,008 sqft Heated Area |
| Gross Area | 1,038 sqft |
| 1st Floor Area | 1,008 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 2,340 sqft (0.054 acres) |
| Lot Dimensions | 45 ft deep x 52 ft wide |
| Porch | Slab |
| Cooling System | None |
|---|---|
| Heating Fuel | Oil |
| Account Number | 71171 |
|---|---|
| Street Address | 309 E MAIN ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PRT OF LTS 3 & 6 BLOCK G |
| Legal Subdivision | COLLIER S |
| Legal Block | G |
| Legal Lot Number | 3,6 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 970700 |
Source: McDowell County records · APN 0659-07-69-0916
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 | Individual Name on File |
|---|---|
| Mailing Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BAXTER CU |
| Oct 30, 2019 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 30, 2017 | Warranty Deed, Transfer · Conventional with PMI BAXTER CU |
| Oct 31, 2017 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 30, 2019 · Amount on Record |
| Deed Sale | Oct 30, 2019 · Amount on Record |
| Prior Sale | Oct 30, 2017 · Amount on Record |
| Deed Document Number | 20195287 |
| Deed Book / Page | 1290 / 1010 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Transaction Type | Mortgage |
| Record Updated | Aug 12, 2021 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0013630176 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 1363/176 |
| Instrument | 2021004836 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Oct 30, 2019 |
| Property Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Document Number | 0012901010 |
| Book / Page | 1290 / 1010 |
| Instrument Date | Oct 30, 2019 |
| Instrument | 2019005287 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Document Number | 2019005288 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 2019005288 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Index | 5-Year CMT |
| Max Rate | 6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Oct 30, 2017 |
| Property Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Document Number | 0012280354 |
| Book / Page | 001228 / 000354 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 5271 |
| Transaction Type | Transfer |
| Record Updated | Nov 22, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $94.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 938 BAT CAVE RD OLD FORT NC 287628666, OLD FORT, NC 28762-8666 |
| Document Number | 12280361 |
|---|---|
| Date | Oct 30, 2017 |
| Book Page | 001228/000361 |
| Instrument | 5272 |
| Name | BAXTER CU |
|---|---|
| Type | Credit Union |
| Address | VERNON HILLS, IL 60061 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 29, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Oct 31, 2017 |
| Property Address | 309 E MAIN ST, OLD FORT, NC 28762 |
| Document Number | 0012280379 |
| Book / Page | 001228 / 000379 |
| Instrument Date | Oct 30, 2017 |
| Instrument | 5273 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 938 BAT CAVE RD OLD FORT NC 287628666, OLD FORT, NC 28762-8666 |
Source: McDowell County records · Assessment roll updated September 30, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Municipality | Old Fort Town |
| Unified School District | McDowell County Schools (KG - 12) |
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 | $405.00 (+3.05%) | $59,810 (-) Land $18,000 Building $41,810 | |
| 2023 | $393.00 (+13.58%) | $59,810 (+15.26%) Land $18,000 Building $41,810 | $59,810 (+15.26%) Land $18,000 Building $41,810 |
| 2022 | $346.00 | $51,890 Land $9,000 Building $42,890 | $51,890 Land $9,000 Building $42,890 |
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
| 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 |
|
| 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.
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.
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