Union County property record for 412 Norma St, Marshville, NC 28103
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,464 sqft · built 1948 |
| Lot Size | 2.27 acres (99,230 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Nov 2021) |
| Tax Bill | $2,082 (2025) |
| Deeds & Mortgages | Jan 2024 Mortgage Jan 2023 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 02-307-040 |
| Primary APN | 02-307-040 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 2,464 sqft Living Area |
| Gross Area | 3,080 sqft |
| 1st Floor Area | 2,464 sqft |
| Basement Area | 352 sqft |
| Unfinished Basement | 352 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 99,230 sqft (2.27 acres) |
| Garage Type | Attached |
| Garage Area | 264 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 412 NORMA ST |
|---|---|
| City | MARSHVILLE |
| State | NC |
| Zip | 28103-1471 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SFR-1 MARS |
| Legal Description | TRACT 1 & 2 8322-423 |
| Legal Subdivision | 2209940 |
| Legal Tract | 1 |
| Jurisdiction | UNION NC |
| Township / Civil Division | MARSHVILLE |
| Census Block Group | 4 |
| Census Block | 4046 |
| Census Tract | 20800 |
412 Norma St is owned and occupied by an individual who bought it in November 2021.
Source: Union County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 412 NORMA ST, MARSHVILLE, NC 28103-1471 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 5, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 9, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 24, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 23, 2021 · Amount on File |
| Deed Sale | Nov 23, 2021 · Amount on File |
| Deed Document Number | 202155523 |
| Deed Book / Page | 8322 / 423 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 412 NORMA ST, MARSHVILLE, NC 28103-1471 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Name | Verified Name |
|---|---|
| Address | 412 NORMA ST, MARSHVILLE, NC 28103-1471 |
| Document Number | 0008836369 |
|---|---|
| Date | Jan 5, 2024 |
| Book Page | 8836/369 |
| Instrument | 361 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7% |
| Type Change Date | Feb 1, 2029 |
| Change Frequency | 5 Years |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 13% |
| Index | 5-Year TN |
| Max Rate | 13% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 412 NORMA ST, MARSHVILLE, NC 28103-1471 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0008637255 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | 8637/255 |
| Instrument | 487 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | UNION NC |
| Property Address | 412 NORMA ST, MARSHVILLE, NC 28103-1471 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|
| Document Number | 7747598 |
|---|---|
| Date | Jul 24, 2020 |
| Book Page | 7747/598 |
| Instrument | 27758 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27603 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 412 Norma St was $2,082.
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 |
|---|---|---|---|
| 2026 | $214,400 (-) Land $59,800 Building $154,600 | $214,400 (-) Land $59,800 Building $154,600 | |
| 2025 | $2,082.00 | $214,400 Land $59,800 Building $154,600 | $214,400 Land $59,800 Building $154,600 |
| 2023 | $2,450.00 | $214,000 Land $28,200 Building $185,800 | $214,000 Land $28,200 Building $185,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 412 Norma St in Zone X, an area of minimal flood risk.
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 | 3 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.
Wildfire risk around 412 Norma St is low, with a 0.01% annual chance of wildfire.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 150 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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