McDowell County property record for 59 Commerce St, Old Fort, NC 28762
| Property Type | Other Improved |
|---|---|
| Details | 7 ba · 26,316 sqft · built 1976 |
| Lot Size | 0.381 acres (16,560 sqft) |
| Owner | Company Name on Record |
| Last Sale | $303,500 (Oct 2011) |
| Tax Bill | $2,087 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 0659-06-48-4504 |
| Primary APN | 0659-06-48-4504 |
|---|---|
| Alternative APN |
|
| Full Baths | 7 Baths |
|---|---|
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 26,316 sqft Total Area |
| Office | 2,688 sqft |
| Flooring | Concrete/Cement |
| Interior Walls | Plywood |
| Fire Sprinklers | Fire Sprinklers |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Flat |
| Roof Material | Built-Up Asphalt |
| Lot Area | 16,560 sqft (0.381 acres) |
| Lot Dimensions | 180 ft deep x 92 ft wide |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 61356 |
|---|---|
| Street Address | 59 COMMERCE ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762-0617 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | LOTS 27-30 J.D. MURPHYSD TOWN OF OLD FORT |
| Legal Subdivision | PARKER HOSIERY CO INC |
| Legal Lot Number | 27-30 |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1063 |
| Census Tract | 970700 |
Source: McDowell County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 78 CATAWBA AVE, OLD FORT, NC 28762-8920 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 25, 2025 | Deed of Trust, Mortgage · Commercial Mortgage UNITED COMMUNITY BANK |
| Apr 9, 2024 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Jun 8, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 12, 2011 · Amount on Record |
| Deed Sale | Oct 12, 2011 · Amount on Record |
| Deed Document Number | 20114599 |
| Deed Book / Page | 1056 / 269 |
| Prior Transfer Date | Mar 7, 2011 |
| Prior Transfer Doc | 0010560269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 59 COMMERCE ST, OLD FORT, NC 28762-0617 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 78 CATAWBA AVE, OLD FORT, NC 28762-8920 |
| Document Number | 0015210628 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 1521/628 |
| Instrument | 2025005913 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29601 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 25, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 59 COMMERCE ST, OLD FORT, NC 28762-0617 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0014650057 |
|---|---|
| Date | Apr 9, 2024 |
| Book Page | 1465/57 |
| Instrument | 2024001638 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | GREENVILLE, SC 29601 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Oct 2, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Jun 8, 2018 |
| Property Address | 59 COMMERCE ST, OLD FORT, NC 28762-0617 |
| Document Number | 0012460357 |
| Book / Page | 001246 / 000357 |
| Instrument Date | Jun 7, 2018 |
| Instrument | 2602 |
| Transaction Type | Transfer |
| Record Updated | Jun 25, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 257 TANYA DR NEBO NC 287617721, NEBO, NC 28761-7721 |
Source: McDowell County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Municipality | Old Fort Town |
| Unified School District | McDowell County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,087.00 (-44.48%) | $307,840 (-46.12%) Land $60,000 Building $247,840 | |
| 2023 | $3,759.00 | $571,380 Land $60,000 Building $511,380 | $307,840 Land $60,000 Building $247,840 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 20 (1983–2024) |
| Claims Outside the SFHA | 6 of 20 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 | TOWN OF OLD FORT serves 1,700 people · EPA ID NC0156025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| 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 | 2 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 143 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 |
| Verizon Fixed Wireless | 300 / 20 |
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