McDowell County property record for 401 E Main St, Old Fort, NC 28762 · Last verified October 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,661 sqft · built 1952 |
| Lot Size | 0.23 acres (10,050 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Aug 2015) |
| Tax Bill | $1,680 (2025) |
| Deeds & Mortgages | Jun 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0659-07-59-8737 |
| Primary APN | 0659-07-59-8737 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,661 sqft Heated Area |
| Gross Area | 1,469 sqft |
| Basement Area | 200 sqft |
| Unfinished Basement | 200 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Hip |
| Roof Material | Asbestos |
| Lot Area | 10,050 sqft (0.23 acres) |
| Lot Dimensions | 150 ft deep x 67 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 60862 |
|---|---|
| Street Address | 401 E MAIN ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OLD FORT TWP |
| Legal Subdivision | COLYERS MAP |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1028 |
| Census Tract | 970700 |
Source: McDowell County records · APN 0659-07-59-8737
Assessment roll updated January 1, 2025 · Last verified October 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 1408, OLD FORT, NC 28762-1408 |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 03, 2015 · Amount on Record |
| Deed Sale | Aug 03, 2015 · Amount on Record |
| Prior Sale | Aug 03, 2015 |
| Deed Document Number | 0001159464 |
| Deed Book / Page | 1159 / 464 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 401 E MAIN ST, OLD FORT, NC 28762 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0012160297 |
|---|---|
| Date | Jun 23, 2017 |
| Book Page | 1216/0297 |
| Instrument | 2017002984 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 6 |
| Max Rate | 2% |
Source: McDowell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| 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 | $1,680.00 (+153.01%) | $247,800 (+145.49%) Land $30,000 Building $217,800 | |
| 2023 | $664.00 | $100,940 Land $30,000 Building $70,940 | $247,800 Land $30,000 Building $217,800 |
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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