McDowell County property record for 581 Valley St, Marion, NC 28752
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 2 bd · 1 ba · 2,824 sqft · built 1974 |
| Lot Size | 0.303 acres (13,176 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Jul 2013) |
| Tax Bill | $628 (2025) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1701-05-28-3487 |
| Primary APN | 1701-05-28-3487 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Building Area | 2,824 sqft Total Area |
| 1st Floor Area | 1,232 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Wood Truss |
| Roof Material | Asphalt |
| Lot Area | 13,176 sqft (0.303 acres) |
| Lot Dimensions | 183 ft deep x 72 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Account Number | 56875 |
|---|---|
| Street Address | 581 VALLEY ST |
| City | MARION |
| State | NC |
| Zip | 28752-4580 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | MARION |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 970600 |
581 Valley St, a residential property, is owned by two individuals who bought it in July 2013.
Source: McDowell County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 RAILROAD ST, MARION, NC 28752-4513 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 18, 2013 · Amount on File |
| Deed Sale | Jul 18, 2013 · Amount on File |
| Deed Document Number | 20133575 |
| Deed Book / Page | 1106 / 562 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | May 12, 2026 |
| Property Address | 581 VALLEY ST, MARION, NC 28752-4580 |
| Document Number | 0000002272 |
| Book / Page | 1538 / 41 |
| Instrument Date | May 12, 2026 |
| Instrument | 20262272 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000002272, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 1538/41 |
| Instrument | 20262272 |
| Name | HOLLAND MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 12, 2046 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
The 2025 property tax bill for 581 Valley St was $628.
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Municipality | Marion City |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $628.00 | $87,950 Land $20,000 Building $67,950 | |
| 2023 | $608.00 | $87,950 Land $20,000 Building $67,950 | $87,950 Land $20,000 Building $67,950 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 581 Valley St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2004.
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 |
|
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 risk around 581 Valley St is low, with a 0.02% annual chance of 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 | 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.
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 |
| 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.
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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