McDowell County property record for 37 Pine St, Old Fort, NC 28762
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,320 sqft · built 1981 |
| Lot Size | 0.511 acres (22,272 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $405,000 (Feb 2024) |
| Tax Bill | $988 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659-06-49-1579 |
| Primary APN | 0659-06-49-1579 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,320 sqft Heated Area |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1981 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 22,272 sqft (0.511 acres) |
| Lot Dimensions | 192 ft deep x 116 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Carport Area | 225 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 81573 |
|---|---|
| Street Address | 37 PINE ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762-4605 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LT 1 RESERVOIR HILL PB3/11 |
| Legal Subdivision | HILL S/D |
| Legal Lot Number | 1 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1064 |
| Census Tract | 970700 |
Source: McDowell County records, as of September 29, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 37 PINE ST, OLD FORT, NC 28762-4605 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Feb 20, 2024 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 20, 2024 · Amount on Record |
| Deed Sale | Feb 20, 2024 · Amount on Record |
| Deed Document Number | 0001460190 |
| Deed Book / Page | 1460 / 190 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 37 PINE ST, OLD FORT, NC 28762-4605 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 37 PINE ST, OLD FORT, NC 28762-4605 |
| Document Number | 0015210350 |
|---|---|
| Date | Nov 24, 2025 |
| Book Page | 1521/350 |
| Instrument | 2025005871 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Max Rate | 11.1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Feb 20, 2024 |
| Property Address | 37 PINE ST, OLD FORT, NC 28762-4605 |
| Document Number | 0014600190 |
| Book / Page | 1460 / 190 |
| Map Reference | MB 3 PG 11 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024000781 |
| Transaction Type | Transfer |
| Record Updated | Mar 4, 2024 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $810.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 862 NIX CREEK CHURCH RD, MARION, NC 28752-7428 |
| Name | Verified Name |
|---|---|
| Address | 37 PINE ST, OLD FORT, NC 28762-4605 |
| Document Number | 0014600193 |
|---|---|
| Date | Feb 20, 2024 |
| Book Page | 1460/193 |
| Instrument | 2024000782 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
Source: McDowell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Municipality | Old Fort Town |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $988.00 (+5.67%) | $145,800 (+2.59%) Land $25,000 Building $120,800 | |
| 2023 | $935.00 | $142,120 Land $25,000 Building $117,120 | $145,800 Land $25,000 Building $120,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 20 (1983–2024) |
| Claims Outside the SFHA | 6 of 20 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OLD FORT serves 1,700 people · EPA ID NC0156025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 179 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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