90 Ebenezer Rd, Old Fort, NC 28762 Property Records

McDowell County property record for 90 Ebenezer Rd, Old Fort, NC 28762

Property Summary

Property Type	Rural Home
Details	4 bd · 3 ba · 2,995 sqft · built 1957
Lot Size	0.37 acres (16,018 sqft)
Owner	2 Individual Names on Record
Last Sale	$295,000 (May 2026)
Tax Bill	$1,021 (2025)
Deeds & Mortgages	May 2026 Sale & Construction Loan Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0760-00-57-6934`

Property Details

APN / Parcel Number

Primary APN	`0760-00-57-6934`
Alternative APN	`74942`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,995 sqft Heated Area
Gross Area	4,014 sqft
1st Floor Area	2,067 sqft
Basement Area	700 sqft
Finished Basement	700 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,018 sqft (0.37 acres)
Lot Width	91 ft Width
Porch	Slab
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil

Location & Zoning

Account Number	74942
Street Address	90 EBENEZER RD
City	OLD FORT
State	NC
Zip	28762-7732
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.205 AC (0.410 PB 36/13 LESS 0.205 PB 39/94)
Jurisdiction	MCDOWELL NC
Township / Civil Division	OLD FORT
Census Block Group	3
Census Block	3036
Census Tract	970700

Owner

Source: McDowell County records, as of June 3, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	90 EBENEZER RD, OLD FORT, NC 28762-7732
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Warranty Deed, Transfer · Construction Mortgage FIRST CITIZENS BANK AND TRUST COMPANY
Dec 5, 2023	Warranty Deed, Transfer
May 17, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	Dec 5, 2023 · Amount on Record
Deed Document Number	20262192
Deed Book / Page	1537 / 627
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 7, 2026
Property Address	90 EBENEZER RD, OLD FORT, NC 28762-7732
Document Number	0000002192
Book / Page	1537 / 627
Instrument Date	May 5, 2026
Instrument	20262192
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 EBENEZER RD, OLD FORT, NC 28762-7732

Mortgage

Document Number	0000002193,
Date	May 7, 2026
Book Page	1537/630
Instrument	20262193

Lender

Name	FIRST CITIZENS BANK AND TRUST COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Dec 5, 2023
Property Address	90 EBENEZER RD, OLD FORT, NC 28762-7732
Document Number	0014540429
Book / Page	1454 / 429
Map Reference	MB 39 PG 94
Instrument Date	Dec 5, 2023
Instrument	2023005667
Transaction Type	Transfer
Record Updated	Dec 22, 2023

Transaction

Amount	Amount Recorded
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	336 WHISPERING HILLS DR, HENDERSONVILLE, NC 28792-1214

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	270 CLEAR CREEK RD, MARION, NC 28752-6413

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	May 17, 2021
Property Address	90 EBENEZER RD # &, &, OLD FORT, NC 28762-7732
Document Number	0013530823
Book / Page	1353 / 823
Instrument Date	May 6, 2021
Instrument	2021003207
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	336 WHISPERING HILLS DR, HENDERSONVILLE, NC 28792-1214

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,021.00 (-18.12%)	$144,250 (-20.48%) Land $12,500 Building $131,750
2023	$1,247.00	$181,390 Land $12,500 Building $168,890	$144,250 Land $12,500 Building $131,750

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1994)
Most Recent Claim	Aug 1994 · rainfall accumulation

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 Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.09% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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