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

McDowell County property record for 323 E Main St, Old Fort, NC 28762 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,822 sqft · built 1910
Lot Size	0.194 acres (8,432 sqft)
Owner	Company Name on File
Last Sale	$330,000 (Mar 2023)
Tax Bill	$666 (2025)
Deeds & Mortgages	Mar 2023 Sale Sep 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0659-07-69-1932`

Property Details

APN / Parcel Number

Primary APN	`0659-07-69-1932`
Alternative APNs	`76260` `79462`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,822 sqft Heated Area
Gross Area	2,146 sqft
1st Floor Area	1,402 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,432 sqft (0.194 acres)
Lot Dimensions	124 ft deep x 68 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	79462
Street Address	323 E MAIN ST
City	OLD FORT
State	NC
Zip	28762
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.20 AC
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	1
Census Block	1028
Census Tract	970700

Owner

Source: McDowell County records · APN 0659-07-69-1932

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	Company Name on File
Mailing Address	31 FAWN RIDGE DR, OLD FORT, NC 28762-8937
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Warranty Deed, Transfer
Sep 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
May 09, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 03, 2021	Warranty Deed, Transfer
May 04, 2021	Gift Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Nov 03, 2021 · Amount on Record
Deed Document Number	20231064
Prior Transfer Date	Apr 10, 2021
Prior Transfer Doc	0013520102
Record Updated	Jun 08, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 10, 2023
Property Address	323 E MAIN ST, OLD FORT, NC 28762-0078
Document Number	0014280825
Book / Page	1428 / 825
Instrument Date	Mar 10, 2023
Instrument	2023001064
Transaction Type	Transfer
Record Updated	Mar 28, 2023

Transaction

Amount	Amount Recorded
Tax	$660.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1175, NEBO, NC 28761-0964

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1206 NUECES ST, AUSTIN, TX 78701-1720

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	323 E MAIN ST, OLD FORT, NC 28762-0078
Transaction Type	Mortgage
Record Updated	Jan 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013690579
Date	Sep 20, 2021
Book Page	1369/579
Instrument	2021006029

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2041

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	323 E MAIN ST, OLD FORT, NC 28762-0078
Transaction Type	Mortgage
Record Updated	Jan 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013980770
Date	May 09, 2022
Book Page	1398/770
Instrument	2022002812

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 03, 2021
Property Address	323 E MAIN ST, OLD FORT, NC 28762-0078
Document Number	0013750873
Book / Page	1375 / 873
Instrument Date	Nov 03, 2021
Instrument	2021007124
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount Recorded
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1175, NEBO, NC 28761-0964

May 2021: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 04, 2021
Property Address	323 E MAIN ST, OLD FORT, NC 28762-0078
Document Number	0013520102
Book / Page	1352 / 102
Instrument Date	Apr 10, 2021
Instrument	2021002887
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2302 LEXINGTON GREEN PNES, CUMMING, GA 30040-6941

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1616 WOODWARD AVE, CHARLOTTE, NC 28206-1416

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$666.00 (+3.1%)	$98,230 (-) Land $30,000 Building $68,230
2023	$646.00	$98,230 Land $30,000 Building $68,230	$98,230 Land $30,000 Building $68,230

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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