97 Payne Rd, Marshall, NC 28753 Property Records

Madison County property record for 97 Payne Rd, Marshall, NC 28753

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,475 sqft · built 2017
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$273,000 (Mar 2019)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`9736-45-4004`

Property Details

APN / Parcel Number

Primary APN	`9736-45-4004`
Alternative APN	`659187`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,475 sqft Heated Area
1st Floor Area	1,475 sqft
Basement Area	1,475 sqft
Unfinished Basement	1,475 sqft
Flooring	Hardwood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	400 sqft
Porch	Slab
Porch Area	216 sqft
Deck Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Other
Heating System	Heat Pump

Location & Zoning

Street Address	97 PAYNE RD
City	MARSHALL
State	NC
Zip	28753-8251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LO:3 PL:8-360
Legal Subdivision	EDEN ROCK ENTERPRISES
Legal Block	45
Legal Lot Number	3
Jurisdiction	MADISON NC
Township / Civil Division	3, MARS HILL
Census Block Group	1
Census Block	1027
Census Tract	10602

Owner

Source: Madison County records · APN 9736-45-4004

Assessment roll updated April 28, 2026 · 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	2 Individual Names on File
Mailing Address	97 PAYNE RD, MARSHALL, NC 28753-8251
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 22, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 22, 2019 · Amount on Record
Deed Sale	Mar 22, 2019 · Amount on Record
Prior Sale	Aug 29, 2017 · Amount on Record
Deed Book / Page	666 / 236
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON NC
Property Address	97 PAYNE RD, MARSHALL, NC 28753-8251
Transaction Type	Mortgage
Record Updated	Apr 09, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0007160497
Date	Mar 29, 2021
Book Page	716/497
Instrument	340845

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON NC
Recording Date	Mar 22, 2019
Property Address	97 PAYNE RD, MARSHALL, NC 28753-8251
Document Number	0006660236
Book / Page	666 / 236
Map Reference	MB 8 PG 360
Instrument Date	Mar 04, 2019
Transaction Type	Transfer
Record Updated	Nov 04, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$546.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12142 OAKWOOD VIEW DR # DR105-02, 12142, RALEIGH, NC 27614-6874

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	97 PAYNE RD, MARSHALL, NC 28753-8251

Mortgage

Document Number	666239
Date	Mar 22, 2019
Instrument	666/239

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Madison County records · Assessment roll updated April 28, 2026 · Last verified May 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Madison County
Unified School District	Madison County Schools (PK - 12)

Tax Bill & Assessment History

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	$2,311.00	$473,681 (+71.59%) Land $43,700 Building $429,981	$473,681 (+71.59%) Land $43,700 Building $429,981
2023		$276,056 Land $25,300 Building $250,756	$276,056 Land $25,300 Building $250,756

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 31, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 claims

Wildfire

Wildfire Risk	Moderate above 68% of the US · above 90% of North Carolina
Wildfire Likelihood	0.3% annual chance
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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
French Broad Electric Membership Fiber	1,000 / 1,000

Based on FCC filings for 22 locations within half a mile of this property.

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