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Residential - Vacant LandResidential

381 COMMERCE ST

OLD FORT, NC 28762
2
Beds
1
Baths
1,100 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.82 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$244 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$36,000 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$36,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$241,470
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$36,000

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.70
100
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
18
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
79
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
93
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
63
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential - Vacant Land
CountyMcDowell
Lot (acres)The size of the land the home sits on, from county records.0.81
HeatingThe type of heating system in the home.Baseboard
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Old Fort Elementary SchoolB+
Elementary · Grades PK–5 · 0.5 mi
M
West Mcdowell Middle SchoolD+
Middle · Grades 6–8 · 9.7 mi
H
McDowell High SchoolD
High · Grades 9–12 · 9.7 mi

District: McDowell County Schools

Neighborhood · ZIP 28762These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.101
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.97

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.82%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.14%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.18%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.7,016
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.71 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$55,666
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$73,981
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.59%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

381 Commerce St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Smaller than 76% of homes in Old Fort 28762
  • Has a smaller lot than 75% of homes in Old Fort 28762
  • Older than 94% of homes in Old Fort 28762

How it measures up in Old Fort 28762

The dot is this home. The mark in the middle is the typical home in Old Fort 28762.

Living area1,100 ft²
SmallerTypical 1,404 ft²Bigger

Bigger than 24% of homes nearby

Lot size0.82 ac
SmallerTypical 1.78 acBigger

Bigger than 25% of homes nearby

Year built1920
OlderTypical 1981Newer

Newer than 6% of homes nearby

How 381 Commerce St ranks against every home in each area.
MeasureThis homeOld Fort 28762McDowell County
Living areabigger than1,100 ft²24% of homes26% of homes
Lot sizebigger than0.82 ac25% of homes33% of homes
Year builtnewer than19206% of homes8% of homes

About 381 Commerce St

When did 381 Commerce St, Old Fort, NC last sell?

381 Commerce St, Old Fort, NC last sold on Oct 15, 2020, according to the county's recorded deed.

How big is 381 Commerce St, Old Fort, NC?

381 Commerce St, Old Fort, NC has 2 bedrooms, 1 bathrooms, 1,100 square feet of living space and a 0.81-acre lot.

When was 381 Commerce St, Old Fort, NC built?

381 Commerce St, Old Fort, NC was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 381 Commerce St, Old Fort, NC?

381 Commerce St, Old Fort, NC is assigned to Old Fort Elementary School (elementary), rated B+; West Mcdowell Middle School (middle), rated D+; McDowell High School (high), rated D. All sit in McDowell County Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 381 Commerce St, Old Fort, NC compare to other homes in Old Fort 28762?

Among the 3,364 homes in Old Fort 28762, it is bigger than 24% of them (1,100 ft² against a typical 1,404 ft²), its lot is bigger than 25% of them (0.82 ac against a typical 1.78 ac) and it is newer than 6% of them (1920 against a typical 1981). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 381 Commerce St, Old Fort, NC?

The 2025 property tax bill for 381 Commerce St, Old Fort, NC was $244. The county assessed it at $36,000.

More homes on Commerce St

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Assigned schools

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