478 Rutherford Rd, Marion, NC 28752 Property Records

McDowell County property record for 478 Rutherford Rd, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,874 sqft · built 1930
Lot Size	0.334 acres (14,550 sqft)
Owner	2 Individual Names on Record
Last Sale	$62,000 (Nov 1998)
Tax Bill	$1,210 (2025)
Deeds & Mortgages	May 2023 Line of Credit Nov 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1701-12-75-5069`

Property Details

APN / Parcel Number

Primary APN	`1701-12-75-5069`
Alternative APN	`26834`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,874 sqft Heated Area
Basement Area	952 sqft
Finished Basement	952 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1970
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,550 sqft (0.334 acres)
Lot Dimensions	194 ft deep x 75 ft wide
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	26834
Street Address	478 RUTHERFORD RD
City	MARION
State	NC
Zip	28752-4707
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIST:06 CITY/MUNI/TWP:MARION MAP REF:MAP:1701
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	1
Census Block	1007
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	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	478 RUTHERFORD RD, MARION, NC 28752-4707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Nov 6, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD MORTGAGE CO
Feb 16, 2018	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 1998 · Amount on Record
Deed Sale	Nov 1, 1998 · Amount on Record
Deed Document Number	0000573970
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	478 RUTHERFORD RD, MARION, NC 28752-4707
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 RUTHERFORD RD, MARION, NC 28752-4707

Mortgage

Document Number	0014350001
Date	May 15, 2023
Book Page	1435/1
Instrument	2023002195

Lender

Name	FIRST BANK
Type	Bank
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	478 RUTHERFORD RD, MARION, NC 28752-4707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012280826
Date	Nov 6, 2017
Book Page	1228/0826
Instrument	2017005366

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	478 RUTHERFORD RD, MARION, NC 28752-4707
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012360672
Date	Feb 16, 2018
Book Page	1236/0672
Instrument	2018000651

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 25, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,210.00	$202,470 (-) Land $40,000 Building $162,470
2023	$1,210.00	$202,470 Land $40,000 Building $162,470	$202,470 Land $40,000 Building $162,470

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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	13 (1983–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% 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 314 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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