McDowell County property record for 405 W Payne Rd, Marion, NC 28752
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,053 sqft · built 1974 |
| Lot Size | 5.15 acres (224,334 sqft) |
| Owner | Individual Name on File |
| Last Sale | $115,000 (Feb 2012) |
| Tax Bill | $956 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0679-00-95-9337 |
| Primary APN | 0679-00-95-9337 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,053 sqft Heated Area |
| Basement Area | 1,053 sqft |
| Unfinished Basement | 1,053 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 224,334 sqft (5.15 acres) |
| Cooling System | None |
|---|---|
| Heating Fuel | Oil |
| Account Number | 54044 |
|---|---|
| Street Address | 405 W PAYNE RD |
| City | MARION |
| State | NC |
| Zip | 28752-8686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | DIST:07 CITY/MUNI/TWP:MONTFORD COVE MAP REF:MAP:6790 |
| Legal Subdivision | H LEE SMITH |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | MONTFORD COVE |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 970902 |
405 W Payne Rd, a rural home, is owned by an individual who bought it in February 2012.
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 | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | PO BOX 2494, OLD FORT, NC 28762-2402 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 10, 2012 · Amount on File |
| Deed Sale | Feb 10, 2012 · Amount on File |
| Prior Sale | May 27, 2005 · Amount on File |
| Deed Document Number | 2012000613 |
| Deed Book / Page | 1064 / 0451 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 405 W Payne Rd was $956.
Source: McDowell County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $956.00 | $135,140 Land $52,920 Building $82,220 | |
| 2023 | $956.00 | $135,140 Land $52,920 Building $82,220 | $135,140 Land $52,920 Building $82,220 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 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 risk around 405 W Payne Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
5G and 4G LTE (outdoors only)
Search by:
By searching, you agree to: Terms • Privacy • Disclosures