51 W Cross St, Marion, NC 28752 Property Records

McDowell County property record for 51 W Cross St, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,050 sqft · built 1916
Lot Size	0.173 acres (7,500 sqft)
Owner	Individual Name on Record
Last Sale	$229,000 (Jun 2025)
Tax Bill	$1,261 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1701-10-35-7777`

Property Details

APN / Parcel Number

Primary APN	`1701-10-35-7777`
Alternative APNs	`69555` `79514`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,050 sqft Heated Area
Gross Area	1,620 sqft
1st Floor Area	1,050 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1916
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,500 sqft (0.173 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	79514
Street Address	51 W CROSS ST
City	MARION
State	NC
Zip	28752-4400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	0.19 AC LT 9 BLK A CROSS MILL PB4 PG278
Legal Subdivision	CROSS COTTON MAILS
Legal Block	A
Legal Lot Number	9
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	2
Census Block	2003
Census Tract	970500

Owner

Source: McDowell County records, as of December 2, 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	51 W CROSS ST, MARION, NC 28752-4400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 7, 2022	Warranty Deed, Transfer
Feb 7, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2025 · Amount on Record
Deed Sale	Jun 13, 2025 · Amount on Record
Prior Sale	Mar 23, 2023 · Amount on Record
Deed Document Number	20252821
Deed Book / Page	1504 / 123
Prior Transfer Date	Jun 14, 2005
Prior Transfer Doc	0008280577
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Mar 23, 2023
Property Address	51 CROSS ST, MARION, NC 28752
Document Number	0014290925
Book / Page	1429 / 925
Map Reference	MB 4 PG 278
Instrument Date	Mar 13, 2023
Instrument	2023001275
Transaction Type	Transfer
Record Updated	Apr 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	1841 OLDS CT, MARCO ISLAND, FL 34145-5993

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 W CROSS ST, MARION, NC 28752-4400

Mortgage

Document Number	2023001276
Date	Mar 23, 2023
Instrument	2023001276

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Nov 7, 2022
Property Address	51 CROSS ST, MARION, NC 28752
Document Number	0014180888
Book / Page	1418 / 888
Map Reference	MB 4 PG 278
Instrument Date	Nov 7, 2022
Instrument	2022006522
Transaction Type	Transfer
Record Updated	Nov 21, 2022

Transaction

Amount	Amount Recorded
Tax	$305.00
Amount Accuracy	Rounded by County
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7901 4TH ST N STE 300, 300, SAINT PETERSBURG, FL 33702-4399

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 7, 2019
Property Address	51 CROSS ST, MARION, NC 28752
Document Number	0012660590
Book / Page	1266 / 0590
Map Reference	MB 4 PG 278
Instrument Date	Feb 6, 2019
Instrument	2019000554
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	51 CROSS ST, MARION, NC 28752

Mortgage

Document Number	2019000555
Date	Feb 7, 2019
Instrument	2019000555

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

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	$1,261.00 (+155.26%)	$211,000 (+155.36%) Land $20,000 Building $191,000
2023	$494.00	$82,630 Land $20,000 Building $62,630	$211,000 Land $20,000 Building $191,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 13, 2016

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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
Adjoins Burnable Land	Yes

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 196 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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