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  5. Mackey Creek Rd

74 Mackey Creek Rd, Old Fort, NC 28762 Property Records

McDowell County property record for 74 Mackey Creek Rd, Old Fort, NC 28762

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,456 sqft · built 1993
Lot Size1.27 acres (55,321 sqft)
Owner2 Individual Names on Record
Tax Bill$1,222 (2025)
Deeds & MortgagesJan 2026 Mortgage
Apr 2017 Loan Modification
Flood ZoneZone X (minimal risk)
APN0771-00-32-7198

Property Details

APN / Parcel Number

Primary APN0771-00-32-7198
Alternative APN
  • 17350

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,456 sqft Heated Area
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1993
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area55,321 sqft (1.27 acres)
Lot Width145 ft Width
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number17350
Street Address74 MACKEY CREEK RD
CityOLD FORT
StateNC
Zip28762-8798
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Legal DescriptionDIST:10 CITY/MUNI/TWP:OLD FORT MAP REF:MAP:7710
JurisdictionMCDOWELL NC
Township / Civil DivisionOLD FORT
Census Block Group2
Census Block2029
Census Tract970700

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address74 MACKEY CREEK RD, OLD FORT, NC 28762-8798
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 15, 2026Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Apr 8, 2017Loan Modification, Mortgage · FHA Mortgage
EMBRACE HM LOANS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJan 1, 1992
Deed SaleJan 1, 1992
Deed Document Number0000433763
Record UpdatedJun 8, 2026

January 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMCDOWELL NC
Property Address74 MACKEY CREEK RD, OLD FORT, NC 28762-8798
Transaction TypeMortgage
Record UpdatedJan 27, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address74 MACKEY CREEK RD, OLD FORT, NC 28762-8798

Mortgage

Document Number0015260431
DateJan 15, 2026
Book Page1526/431
Instrument2026000218
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 1, 2056
Interest
Rate TypeAdjustable Rate
Rate5.25%
Type Change DateApr 1, 2031
Change FrequencyAnnually
Min Rate At Change4.25%
Max Rate At Change6.25%
Index1-Year CMT
Max Rate5%

April 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionMCDOWELL NC
Property Address74 MACKEY CREEK RD, OLD FORT, NC 28762-8798
Document Number0012120001
Book / Page001212 / 000001
Instrument DateApr 8, 2017
Transaction TypeMortgage
Record UpdatedMay 26, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address74 MACKEY CREEK RD OLD FORT NC 287628798, OLD FORT, NC 28762-8798

Mortgage

Document Number0012120001
DateMay 3, 2017
Book Page001212/000001
Instrument2123
Lender
NameEMBRACE HM LOANS
TypeFunding / Finance Company
AddressCHARLOTTE, NC 28217
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 2, 2047
Interest
Rate4.5%

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyMcDowell County
Unified School DistrictMcDowell County Schools (KG - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,222.00$172,670 (-) Land $40,000 Building $132,670
2023$1,222.00$172,670 Land $40,000 Building $132,670$172,670 Land $40,000 Building $132,670

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims4 (2004–2024)
Claims Outside the SFHA2 of 4
Most Recent ClaimSep 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

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

Wildfire RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.07% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemCITY OF MARION
serves 9,362 people · EPA ID NC0156010
Water SourceSurface water
Last State InspectionJun 2025
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting6
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 131 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

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