McDowell County property record for 963 E Main St, Old Fort, NC 28762 · Last verified May 2026
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1963 |
| Lot Size | 2.24 acres (97,574 sqft) |
| Owner | Individual Name on File |
| Last Sale | $194,000 (Oct 2017) |
| Tax Bill | $1,069 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0750-00-72-7546 |
| Primary APN | 0750-00-72-7546 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,176 sqft Heated Area |
| Gross Area | 2,918 sqft |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Finished Basement | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 97,574 sqft (2.24 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 72894 |
|---|---|
| Street Address | 963 E MAIN ST |
| City | OLD FORT |
| State | NC |
| Zip | 28762-6701 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Jurisdiction | MCDOWELL NC |
| Township / Civil Division | OLD FORT |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970700 |
Source: McDowell County records · APN 0750-00-72-7546
Assessment roll updated September 30, 2025 · Last verified May 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 963 E MAIN ST, OLD FORT, NC 28762-6701 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION |
| Aug 17, 2020 | Intrafamily Transfer, Transfer · VA Mortgage NEW DAY FINANCIAL LLC |
| Oct 20, 2017 | Warranty Deed, Transfer · VA Mortgage DRAPER & KRAMER MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 20, 2017 · Amount on Record |
| Deed Sale | Oct 20, 2017 · Amount on Record |
| Prior Sale | Apr 10, 2013 · Amount on Record |
| Deed Document Number | 20175079 |
| Deed Book / Page | 1227 / 346 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Apr 22, 2026 |
| Property Address | 963 E MAIN ST, OLD FORT, NC 28762-6701 |
| Document Number | 0000001889 |
| Book / Page | 1535 / 779 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20261889 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 963 E MAIN ST, OLD FORT, NC 28762-6701 |
| Document Number | 0000001889, |
|---|---|
| Date | Apr 22, 2026 |
| Book Page | 1535/779 |
| Instrument | 20261889 |
| Name | NAVY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | May 01, 2066 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Aug 17, 2020 |
| Property Address | 963 E MAIN ST, OLD FORT, NC 28762-6703 |
| Document Number | 0013190041 |
| Book / Page | 1319 / 41 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 2020004011 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Title Company | AMC SETTLEMENT SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 963 E MAIN ST, OLD FORT, NC 28762-6703 |
| Document Number | 2020004012 |
|---|---|
| Date | Aug 17, 2020 |
| Instrument | 2020004012 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MCDOWELL NC |
| Recording Date | Oct 20, 2017 |
| Property Address | 963 E MAIN ST, OLD FORT, NC 28762-6703 |
| Document Number | 0012270346 |
| Book / Page | 1227 / 0346 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 2017005079 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 CHERRY STB, 117, BLACK MOUNTAIN, NC 28711 |
| Name | Verified Name |
|---|---|
| Address | 15 MILDRED AVE APT 9, 9, ASHEVILLE, NC 28806-3145 |
| Document Number | 2017005080 |
|---|---|
| Date | Oct 20, 2017 |
| Instrument | 2017005080 |
| Name | DRAPER & KRAMER MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2047 |
Source: McDowell County records · Assessment roll updated September 30, 2025 · Last verified May 2026
| 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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,069.00 (+2.89%) | $151,110 (-) Land $40,000 Building $111,110 | |
| 2023 | $1,039.00 | $151,110 Land $40,000 Building $111,110 | $151,110 Land $40,000 Building $111,110 |
Source: FEMA National Flood Hazard Layer, McDowell County (37111C), updated December 13, 2016 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371119707001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 17 individual NFIP policies nearby |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 20 (1983–2024) |
| Claims Outside the SFHA | 6 of 20 |
| Most Recent Claim | Sep 2024, river or lake flooding, Tropical Storm Helene |
| Claims By Storm |
|
| Wildfire Risk | Moderate above 58% of the US · above 81% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 714 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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