584 Rutherford Rd, Marion, NC 28752 Property Records

McDowell County property record for 584 Rutherford Rd, Marion, NC 28752

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,138 sqft · built 1929
Lot Size	0.254 acres (11,040 sqft)
Owner	Individual Name on File
Last Sale	$405,000 (May 2026)
Tax Bill	$1,196 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage May 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1701-12-85-1016`

Property Details

APN / Parcel Number

Primary APN	`1701-12-85-1016`
Alternative APNs	`64507` `79293`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,138 sqft Heated Area
Gross Area	3,310 sqft
1st Floor Area	1,606 sqft
Basement Area	932 sqft
Unfinished Basement	932 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,040 sqft (0.254 acres)
Lot Dimensions	184 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	79293
Street Address	584 RUTHERFORD RD
City	MARION
State	NC
Zip	28752-4828
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9 SINCLAIR LANDS S/DPB1 PG10
Legal Subdivision	SINCLAIR LANDS S/D
Legal Lot Number	9
Jurisdiction	MCDOWELL NC
Township / Civil Division	MARION
Census Block Group	1
Census Block	1007
Census Tract	970500

Owner

584 Rutherford Rd is owned and occupied by an individual who bought it in May 2026.

Source: McDowell County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

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
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC COAST MORTGAGE GROUP INC
May 5, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE
Feb 1, 2023	Warranty Deed, Transfer
Oct 18, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 28, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2026 · Amount on File
Deed Sale	May 5, 2026 · Amount on File
Prior Sale	Apr 28, 2017 · Amount on File
Deed Document Number	20262133
Deed Book / Page	1537 / 291
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 5, 2026
Property Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Document Number	0000002133
Book / Page	1537 / 291
Instrument Date	May 5, 2026
Instrument	2026.2133
Transaction Type	Transfer
Record Updated	May 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	584 RUTHERFORD RD, MARION, NC 28752-4828

Mortgage

Document Number	0000002134,
Date	May 5, 2026
Instrument	2026..2134

Lender

Name	ATLANTIC COAST MORTGAGE GROUP INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 5, 2026
Property Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Document Number	0015370291
Book / Page	1537 / 291
Instrument Date	May 5, 2026
Instrument	20262133
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,810.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002134,
Date	May 5, 2026
Instrument	20262134

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Feb 1, 2023
Property Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Document Number	0014250762
Book / Page	1425 / 762
Map Reference	MB 1 PG 10&11
Instrument Date	Feb 1, 2023
Instrument	2023000445
Transaction Type	Transfer
Record Updated	Dec 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	300 MORGAN ST, MARION, NC 28752-4533

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	300 MORGAN ST, MARION, NC 28752-4533

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012580190
Date	Oct 18, 2018
Book Page	1258/0190
Instrument	2018004848

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Apr 28, 2017
Property Address	584 RUTHERFORD RD, MARION, NC 28752-4828
Document Number	0012110688
Book / Page	1211 / 0688
Map Reference	MB 01 PG 10
Instrument Date	Apr 24, 2017
Instrument	2017002065
Transaction Type	Transfer
Record Updated	Oct 25, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$324.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	584 RUTHERFORD RD, MARION, NC 28752-4828

Mortgage

Document Number	0012110697
Date	Apr 28, 2017
Book Page	1211/0697
Instrument	2017002066

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2025 property tax bill for 584 Rutherford Rd was $1,196.

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	$1,196.00	$200,140 Land $30,000 Building $170,140
2023	$1,196.00	$200,140 Land $30,000 Building $170,140	$200,140 Land $30,000 Building $170,140

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 584 Rutherford Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	13 (1983–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

Wildfire risk around 584 Rutherford Rd is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 160 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Optimum.

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