100 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 100 W Union St, Morganton, NC 28655

Property Summary

Property Type	Restaurant
Details	3 ba · 4,425 sqft · built 1901
Lot Size	0.04 acres (1,742 sqft)
Owner	Company Name on Record
Tax Bill	$3,593 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2024 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703273069`

Property Details

APN / Parcel Number

Primary APN	`2703273069`
Alternative APN	`5282`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	4,425 sqft Total Area
Basement Area	1,061 sqft
Finished Basement	354 sqft
Unfinished Basement	1,061 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Brick Veneer
Fire Resistance	Masonry Walls, Wood Interior
Roof Type	Gambrel
Roof Material	Built-Up Asphalt
Lot Area	1,742 sqft (0.04 acres)
Porch	Porch
Porch Area	61 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	100 W UNION ST
City	MORGANTON
State	NC
Zip	28655-3460
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CENTRAL BU
Legal Description	100 W UNION ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1046
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morganton Downtown Historic District listed 1987 · 62 contributing resources · NRIS 87001930

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Burke County records, as of October 12, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on Record
Mailing Address	103 N STERLING ST, MORGANTON, NC 28655-3443
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · Conventional Mortgage BAY BANK TRUST COMPANY
Jan 8, 2024	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
Dec 15, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Sep 3, 2026
Property Address	100 W UNION ST, MORGANTON, NC 28655-3460
Document Number	0026008436
Book / Page	2895 / 439
Instrument Date	Sep 3, 2026
Instrument	202626008436
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	103 N STERLING ST, MORGANTON, NC 28655-3443
Investor	Possibly a Property Investor

Mortgage

Document Number	0026008436,
Date	Sep 3, 2026
Book Page	2895/439
Instrument	202626008436

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	100 W UNION ST, MORGANTON, NC 28655-3460
Transaction Type	Mortgage
Record Updated	Jan 18, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027240012
Date	Jan 8, 2024
Book Page	2724/12
Instrument	2024000074

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	HICKORY, NC 28601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	100 W UNION ST, MORGANTON, NC 28655-3460
Transaction Type	Mortgage
Record Updated	Dec 26, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027200704
Date	Dec 15, 2023
Book Page	2720/704
Instrument	2023011549

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	HICKORY, NC 28601

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Municipality	Morganton City
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,593.00 (+0.14%)	$629,018 (-) Land $21,120 Building $607,898	$629,018 (-) Land $21,120 Building $607,898
2025	$3,588.00 (+43.87%)	$629,018 (+41.23%) Land $21,120 Building $607,898	$629,018 (+41.23%) Land $21,120 Building $607,898
2023	$2,494.00	$445,372 Land $21,120 Building $424,252	$445,372 Land $21,120 Building $424,252

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 June 28, 2017 · 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 Policies	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 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 Risk	Not rated no burnable land within ember reach

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 System	CITY OF MORGANTON serves 27,221 people · EPA ID NC0112015
Water Source	Surface water
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Carolina West Wireless Fixed Wireless	25 / 3
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Compas X-Stream, Spectrum, T-Mobile, Verizon.

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