McDowell County property record for 644 E Payne Rd, Marion, NC 28752 · Last verified October 2025
| Property Type | Residential > Single Family > Rural Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 4 Baths |
| Architecture Style | Ranch |
| Year Built | Built 2014 |
| Square Footage | 2,991 sqft Heated Area |
| Lot Size | 51,444 sqft (1.18 acres) |
| Pool | 576 sqft |
| Last Sale | $1,500,000 (2022) |
Source: McDowell County records · APN 0689-00-27-5453
Assessment roll updated January 1, 2025 · Last verified October 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3020 PROSPERITY CHURCH RD STE I, I, CHARLOTTE, NC 28269-8100 |
| Owner Type | Owner is a Company |
| Date | Document |
|---|---|
| Mar 10, 2021 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Oct 29, 2019 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 28, 2022 | Deed of Trust, Mortgage · Commercial Mortgage ASSEMBLIES OF GOD LOAN POOL LLC |
| Jan 10, 2022 | Warranty Deed, Transfer · Commercial Mortgage ASSEMBLIES OF GOD CU |
| Oct 27, 2017 | Deed of Trust, Mortgage FARM CREDIT SVCS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 10, 2022 · Amount on Record |
| Deed Sale | Jan 10, 2022 · Amount on Record |
| Deed Doc Number | 0001383970 |
| Deed Book / Page | 1383 / 970 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 644 E PAYNE RD, MARION, NC 28752-8656 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0013440843 |
|---|---|
| Date | Mar 10, 2021 |
| Book Page | 1344/843 |
| Instrument | 2021001532 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MARION, NC 28752 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 644 E PAYNE RD, MARION, NC 28752-8656 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|
| Document Number | 0012900688 |
|---|---|
| Date | Oct 29, 2019 |
| Book Page | 1290/0688 |
| Instrument | 2019005237 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MARION, NC 28752 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 644 E PAYNE RD, MARION, NC 28752-8656 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2638 SALOME CHURCH RD, CHARLOTTE, NC 28262 |
| Document Number | 0014080094 |
|---|---|
| Date | Jul 28, 2022 |
| Book Page | 1408/94 |
| Instrument | 2022004552 |
| Name | ASSEMBLIES OF GOD LOAN POOL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SPRINGFIELD, MO 65807 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 27, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Jan 10, 2022 |
| Property Address | 644 E PAYNE RD, MARION, NC 28752-8656 |
| Document Number | 0013830970 |
| Book / Page | 1383 / 970 |
| Instrument Date | Jan 10, 2022 |
| Instrument | 2022000204 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,000.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3020 PROSPERITY CHURCH RD # 1, 1, CHARLOTTE, NC 28269-7197 |
| Document Number | 2022000205 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 2022000205 |
| Name | ASSEMBLIES OF GOD CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Property Address | 644 E PAYNE RD, MARION, NC 28752-8656 |
| Document Number | 0012280561 |
| Instrument Date | Oct 27, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2018 |
| Name | Verified Name |
|---|---|
| Address | 644 E PAYNE RD MARION NC 287528656, MARION, NC 28752-8656 |
| Document Number | 0012280561 |
|---|---|
| Date | Nov 01, 2017 |
| Book Page | 001228/000561 |
| Instrument | 5304 |
| Name | FARM CREDIT SVCS |
|---|---|
| Type | Funding / Finance Company |
| Address | LIBERTY, NC 27298 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Oct 31, 2032 |
Source: McDowell County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | McDowell County |
| Unified School District | McDowell County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2025 | $978,420 (-) Land $25,000 Building $953,420 | |
| 2023 | $978,420 Land $25,000 Building $953,420 | $978,420 Land $25,000 Building $953,420 |
Source: FEMA National Flood Hazard Layer, McDowell County (37111C), updated December 13, 2016 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 44% of the US · above 64% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 1,282 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | 0689-00-27-5453 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,991 sqft Heated Area |
| Basement Area | 2,991 sqft Basement |
| Finished Basement | 2,165 sqft Finished |
| Unfinished Basement | 826 sqft Unfinished |
| Primary Flooring | Hardwood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Roof Construction | Gable Roof Construction |
| Roof Material | Wood Shingle Roof |
| Lot Area | 51,444 sqft (1.18 acres) |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 576 sqft Pool |
| Porch | Open Porch |
| Cooling System | Central Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Heating Fuel | Electric Heating Fuel |
| Account Number | 76780 |
|---|---|
| Street Address | 644 E PAYNE RD |
| City | MARION |
| State | NC |
| Zip | 28752-8656 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Rural Home |
| Legal Description | 1.181 AC PB 25 PG 58 |
| Jurisdiction | MCDOWELL NC |
| Minor Civil Division | MONTFORD COVE |
| Census Blockgroup | 4 |
| Census Block | 4018 |
| Census Tract | 970902 |
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