Union County property record for 407 E Phifer St, Marshville, NC 28103
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 892 sqft · built 1948 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $184,000 (Jun 2023) |
| Tax Bill | $1,562 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-305-049 |
| Primary APN | 02-305-049 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 892 sqft Living Area |
| 1st Floor Area | 892 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Ranch |
| Exterior Material | Asbestos |
| Construction Type | Wood |
| Foundation Type | No Foundation |
| Roof Material | Composition Shingle |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 407 E PHIFER ST |
|---|---|
| City | MARSHVILLE |
| State | NC |
| Zip | 28103-1319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | SFR-3 MARS |
| Legal Description | 8719-0430 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MARSHVILLE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 20800 |
Source: Union County records, as of March 31, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2511 NEW SALEM RD, MONROE, NC 28110-0602 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Apr 5, 2022 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Feb 25, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2023 · Amount on Record |
| Deed Sale | Jun 2, 2023 · Amount on Record |
| Prior Sale | Feb 25, 2019 · Amount on Record |
| Deed Document Number | 202313044 |
| Deed Book / Page | 8719 / 430 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Jun 2, 2023 |
| Property Address | 407 E PHIFER ST, MARSHVILLE, NC 28103-1319 |
| Document Number | 0008719430 |
| Book / Page | 8719 / 430 |
| Instrument Date | Jun 2, 2023 |
| Instrument | 13044 |
| Transaction Type | Transfer |
| Record Updated | Jun 19, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $368.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2511 NEW SALEM RD, MONROE, NC 28110-0602 |
| Document Number | 0008719433 |
|---|---|
| Date | Jun 2, 2023 |
| Book Page | 8719/433 |
| Instrument | 13045 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Jul 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3% |
| Max Rate At Change | 7% |
| Index | 5-Year TN |
| Max Rate | 11% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 407 E PHIFER ST, MARSHVILLE, NC 28103-1319 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0008445146 |
|---|---|
| Date | Apr 5, 2022 |
| Book Page | 8445/146 |
| Instrument | 12613 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | UNION NC |
| Recording Date | Feb 25, 2019 |
| Property Address | 407 E PHIFER ST, MARSHVILLE, NC 28103-1319 |
| Document Number | 0007318529 |
| Book / Page | 7318 / 529 |
| Instrument Date | Feb 25, 2019 |
| Instrument | 0004563 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $170.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000004564 |
|---|---|
| Date | Feb 25, 2019 |
| Instrument | 0004564 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2049 |
Source: Union County assessment roll, as of March 31, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Union County |
| Municipality | Marshville Town |
| Unified School District | Union County Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,562.00 (+54.81%) | $160,900 (+82.43%) Land $42,000 Building $118,900 | $160,900 (+82.43%) Land $42,000 Building $118,900 |
| 2023 | $1,009.00 | $88,200 Land $18,700 Building $69,500 | $88,200 Land $18,700 Building $69,500 |
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 September 14, 2026 · 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 |
| Nearby Flood Policies | 2 in force |
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 | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% 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 MARSHVILLE serves 3,163 people · EPA ID NC0190015 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control Apr 2018 |
| Monitoring and Reporting | 1 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 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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