648 E Payne Rd, Marion, NC 28752 Property Records

McDowell County property record for 648 E Payne Rd, Marion, NC 28752

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,252 sqft · built 2016
Lot Size	28.8 acres (1,254,964 sqft)
Owner	Company Name on Record
Last Sale	$1,500,000 (Jan 2022)
Deeds & Mortgages	Jul 2022 Mortgage Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0689-00-37-1512`

Property Details

APN / Parcel Number

Primary APN	`0689-00-37-1512`
Alternative APNs	`49933` `76780`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,252 sqft Heated Area
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,254,964 sqft (28.8 acres)
Garage Type	Carport
Carport	Carport
Carport Area	756 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	262 sqft
Shed	1 Shed
Shed Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	76780
Street Address	648 E PAYNE RD
City	MARION
State	NC
Zip	28752
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	28.81AC PORTION OF TRACT B PER GREENE SURVEY 05/18/2009
Legal Tract	B
Jurisdiction	MCDOWELL NC
Township / Civil Division	MONTFORD COVE
Census Block Group	4
Census Block	4018
Census Tract	970902

Owner

Source: McDowell County records, as of September 29, 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 Record
Mailing Address	3020 PROSPERITY CHURCH RD STE I, I, CHARLOTTE, NC 28269-8100
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Commercial Mortgage ASSEMBLIES OF GOD LOAN POOL LLC
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 10, 2022	Warranty Deed, Transfer · Commercial Mortgage ASSEMBLIES OF GOD CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2022 · Amount on Record
Deed Sale	Jan 10, 2022 · Amount on Record
Deed Document Number	0001383970
Deed Book / Page	1383 / 970
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	648 E PAYNE RD, MARION, NC 28752
Transaction Type	Mortgage
Record Updated	Dec 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014080094
Date	Jul 28, 2022
Book Page	1408/94
Instrument	2022004552

Lender

Name	ASSEMBLIES OF GOD LOAN POOL LLC
Type	Non-Lending Institution
Address	SPRINGFIELD, MO 65807

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Property Address	648 E PAYNE RD, MARION, NC 28752
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013440843
Date	Mar 10, 2021
Book Page	1344/843
Instrument	2021001532

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Jan 10, 2022
Property Address	648 E PAYNE RD, MARION, NC 28752
Document Number	0013830970
Book / Page	1383 / 970
Instrument Date	Jan 10, 2022
Instrument	2022000204
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 PROSPERITY CHURCH RD # 1, 1, CHARLOTTE, NC 28269-7197

Mortgage

Document Number	2022000205
Date	Jan 10, 2022
Instrument	2022000205

Lender

Name	ASSEMBLIES OF GOD CU
Type	Credit Union

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2025	$289,210 (-) Land $119,560 Building $169,650
2023	$289,210 (+34.84%) Land $119,560 Building $169,650	$289,210 (+34.84%) Land $119,560 Building $169,650
2022	$214,480 Land $119,560 Building $94,920	$214,480 Land $119,560 Building $94,920

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

Flood

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

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	0.08% 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 16 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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