490 Valley St, Marion, NC 28752 Property Records

McDowell County property record for 490 Valley St, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 972 sqft · built 1940
Lot Size	1.13 acres (49,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,500 (Sep 2026)
Tax Bill	$568 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1701-06-29-5034`

Property Details

APN / Parcel Number

Primary APN	`1701-06-29-5034`
Alternative APN	`69679`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	972 sqft Heated Area
Gross Area	2,210 sqft
1st Floor Area	972 sqft
Basement Area	620 sqft
Finished Basement	620 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Other
Roof Type	Gable
Roof Material	Asphalt
Lot Area	49,500 sqft (1.13 acres)
Lot Dimensions	330 ft deep x 150 ft wide
Porch	Patio

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	69679
Street Address	490 VALLEY ST
City	MARION
State	NC
Zip	28752-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.14 AC
Legal Subdivision	KENNETH D SUTTLES
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	1
Census Block	1017
Census Tract	970600

Owner

Source: McDowell County records, as of October 9, 2026

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	2 Individual Names on Record
Mailing Address	490 VALLEY ST, MARION, NC 28752-3348
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC
Mar 28, 2019	Warranty Deed, Transfer · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2026 · Amount on Record
Deed Sale	Sep 30, 2026 · Amount on Record
Prior Sale	Mar 28, 2019 · Amount on Record
Deed Document Number	20264944
Deed Book / Page	1553 / 705
Prior Transfer Date	Aug 6, 2013
Prior Transfer Doc	0011080808
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Sep 30, 2026
Property Address	490 VALLEY ST, MARION, NC 28752-3348
Document Number	0000004944
Book / Page	1553 / 705
Instrument Date	Sep 30, 2026
Instrument	20264944
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$37,875.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 VALLEY ST, MARION, NC 28752-3348

Mortgage

Document Number	0000004945,
Date	Sep 30, 2026
Instrument	20264945

Lender

Name	MORTGAGE CENTER LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 28, 2019
Property Address	490 VALLEY ST, MARION, NC 28752-3348
Document Number	0012700609
Book / Page	001270 / 000609
Instrument Date	Mar 28, 2019
Instrument	1357
Transaction Type	Transfer
Record Updated	Apr 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$177.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 VALLEY ST MARION NC 287523348, MARION, NC 28752-3348

Mortgage

Document Number	12700612
Date	Mar 28, 2019
Book Page	001270/000612
Instrument	1358

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 27, 2049

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 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	$568.00 (+3.46%)	$79,530 (-) Land $25,000 Building $54,530
2023	$549.00	$79,530 Land $25,000 Building $54,530	$79,530 Land $25,000 Building $54,530

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 Policies	6 in force
Nearby Flood Claims	3 (2004–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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