431 Shady Ln, Marion, NC 28752 Property Records

McDowell County property record for 431 Shady Ln, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,107 sqft · built 1974
Owner	Individual Name on Record
Last Sale	$195,000 (Aug 2021)
Tax Bill	$1,324 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1700-09-25-0919`

Property Details

APN / Parcel Number

Primary APN	`1700-09-25-0919`
Alternative APN	`75676`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,107 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1980
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Garage Type	Carport
Carport	Carport
Parking Spaces	3 Parking Spaces
Pool Area	512 sqft
Porch	Enclosed Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	75676
Street Address	431 SHADY LN
City	MARION
State	NC
Zip	28752-5031
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.68 AC PER SURVEY 9-25-92
Legal Lot Number	14
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	3
Census Block	3028
Census Tract	970500

Owner

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
Mailing Address	431 SHADY LN, MARION, NC 28752-5031
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Aug 4, 2021	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2021 · Amount on Record
Deed Sale	Aug 4, 2021 · Amount on Record
Deed Document Number	0001364301
Deed Book / Page	1364 / 301
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	431 SHADY LN, MARION, NC 28752-5031
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014290843
Date	Mar 23, 2023
Book Page	1429/843
Instrument	2023001262

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Aug 4, 2021
Property Address	431 SHADY LN, MARION, NC 28752-5031
Document Number	0013640301
Book / Page	1364 / 301
Instrument Date	Aug 4, 2021
Instrument	2021005026
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$390.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5500 FORTUNES RIDGE DR # DR8C, 5500, DURHAM, NC 27713-9365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	431 SHADY LN, MARION, NC 28752-5031

Mortgage

Document Number	2021005027
Date	Aug 4, 2021
Instrument	2021005027

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Sep 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,324.00 (+3.36%)	$185,420 (-) Land $40,000 Building $145,420
2023	$1,281.00	$185,420 Land $40,000 Building $145,420	$185,420 Land $40,000 Building $145,420

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · ground movement

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF MARION serves 9,362 people · EPA ID NC0156010
Water Source	Surface water
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	6 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 132 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
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Optimum.

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