575 W Payne Rd, Marion, NC 28752 Property Records

McDowell County property record for 575 W Payne Rd, Marion, NC 28752

Property Summary

Property Type	Rural Home
Details	3 bd · 5 ba · 3,984 sqft · built 1972
Lot Size	1.41 acres (61,420 sqft)
Owner	Individual Name on File
Last Sale	$458,500 (Sep 2023)
Tax Bill	$1,805 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0689-00-06-5039`

Property Details

APN / Parcel Number

Primary APN	`0689-00-06-5039`
Alternative APNs	`68913` `80402`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,984 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1979
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Metal
Lot Area	61,420 sqft
Lot Width	204 ft Width
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Pool Area	512 sqft
Porch	Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	80402
Street Address	575 W PAYNE RD
City	MARION
State	NC
Zip	28752-8687
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	AC CORRECTED PER SURVEY 1.41 AC
Jurisdiction	MCDOWELL NC
Township / Civil Division	MONTFORD COVE
Census Block Group	4
Census Block	4024
Census Tract	970902

Owner

575 W Payne Rd, a rural home, is owned and occupied by an individual who bought it in September 2023.

Source: McDowell County records, as of September 29, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	575 W PAYNE RD, MARION, NC 28752-8687
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Oct 26, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2023 · Amount on File
Deed Sale	Sep 28, 2023 · Amount on File
Prior Sale	Oct 26, 2018 · Amount on File
Deed Document Number	0001448275
Deed Book / Page	1448 / 275
Record Updated	Jun 7, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Sep 28, 2023
Property Address	575 W PAYNE RD, MARION, NC 28752-8687
Document Number	0014480275
Book / Page	1448 / 275
Instrument Date	Sep 23, 2023
Instrument	2023004581
Transaction Type	Transfer
Record Updated	Oct 12, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11611 MANDARIN RD, JACKSONVILLE, FL 32223-1332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 W PAYNE RD, MARION, NC 28752-8687

Mortgage

Document Number	0014480278
Date	Sep 28, 2023
Book Page	1448/278
Instrument	2023004582

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Oct 26, 2018
Property Address	575 W PAYNE RD, MARION, NC 28752-8687
Document Number	0012580926
Book / Page	001258 / 000926
Instrument Date	Oct 26, 2018
Instrument	4983
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$438.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	575 W PAYNE RD MARION NC 287528687, MARION, NC 28752-8687

Mortgage

Document Number	12580930
Date	Oct 26, 2018
Book Page	001258/000930
Instrument	4984

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 575 W Payne Rd was $1,805.

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	$1,805.00	$255,060 Land $25,000 Building $230,060
2023	$1,805.00 (+20.49%)	$255,060 (+22.21%) Land $25,000 Building $230,060	$255,060 (+22.21%) Land $25,000 Building $230,060
2022	$1,498.00	$208,710 Land $22,500 Building $186,210	$208,710 Land $22,500 Building $186,210

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

Flood

FEMA maps place 575 W Payne Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 575 W Payne Rd is moderate, ranking above 43% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Optimum Cable	940 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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