509 State St, Marion, NC 28752 Property Records

McDowell County property record for 509 State St, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,232 sqft · built 1948
Lot Size	0.345 acres (15,000 sqft)
Owner	Individual Name on Record
Tax Bill	$978 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1701-08-98-3240`

Property Details

APN / Parcel Number

Primary APN	`1701-08-98-3240`
Alternative APN	`56950`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,232 sqft Heated Area
Gross Area	2,746 sqft
1st Floor Area	1,232 sqft
Basement Area	1,232 sqft
Unfinished Basement	1,232 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,000 sqft (0.345 acres)
Lot Dimensions	150 ft deep x 100 ft wide
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	56950
Street Address	509 STATE ST
City	MARION
State	NC
Zip	28752-4030
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.344 AC
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	2
Census Block	2009
Census Tract	970400

Owner

Source: McDowell County records, as of January 20, 2026

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	509 STATE ST, MARION, NC 28752-4030
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 17, 2019	Deed of Trust, Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 4, 2024
Transfer Doc	0014840586
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	509 STATE ST, MARION, NC 28752-4030
Transaction Type	Mortgage
Record Updated	Jan 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014080458
Date	Aug 1, 2022
Book Page	1408/458
Instrument	2022004633

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	509 STATE ST, MARION, NC 28752-4030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012650007
Date	Jan 17, 2019
Book Page	1265/0007
Instrument	2019000233

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Dec 25, 2048

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 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	$978.00	$163,570 (-) Land $40,000 Building $123,570
2023	$978.00 (+4.82%)	$163,570 (+6.53%) Land $40,000 Building $123,570	$163,570 (+6.53%) Land $40,000 Building $123,570
2022	$933.00	$153,550 Land $30,000 Building $123,550	$153,550 Land $30,000 Building $123,550

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 Policies	1 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

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

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 281 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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