103 Creekside Dr, Morganton, NC 28655 Property Records

Burke County property record for 103 Creekside Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,734 sqft · built 1976
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Sep 2025)
Tax Bill	$1,280 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1793520853`

Property Details

APN / Parcel Number

Primary APN	`1793520853`
Alternative APN	`31797`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,734 sqft Living Area
1st Floor Area	1,450 sqft
Utility Room	Utility Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Garage Area	322 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	335 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 CREEKSIDE DR
City	MORGANTON
State	NC
Zip	28655-5204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	103 CREEKSIDE DR MORGANTON, NC 28655
Legal Subdivision	CREEKSIDE SUB
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3019
Census Tract	21400

Owner

103 Creekside Dr is owned and occupied by two individuals who bought it in September 2025.

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	2 Individual Names on File
Mailing Address	103 CREEKSIDE DR, MORGANTON, NC 28655-5204
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 12, 2018	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU
Jul 30, 2018	Deed of Trust, Mortgage · Line of Credit STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on File
Deed Sale	Sep 30, 2025 · Amount on File
Deed Document Number	202525007907
Deed Book / Page	2830 / 180
Prior Transfer Date	Sep 29, 2025
Prior Transfer Doc	0028300180
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 30, 2025
Property Address	103 CREEKSIDE DR, MORGANTON, NC 28655-5204
Document Number	0028300180
Book / Page	2830 / 180
Map Reference	MB 4 PG 163
Instrument Date	Sep 29, 2025
Instrument	2025007907
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	303 CONSTITUTION DR, MORGANTON, NC 28655-6052

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	103 CREEKSIDE DR, MORGANTON, NC 28655-5204

Mortgage

Document Number	2025007908
Date	Sep 30, 2025
Instrument	2025007908

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	103 CREEKSIDE DR, MORGANTON, NC 28655-5204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023510638
Date	Jun 12, 2018
Book Page	2351/0638
Instrument	2017016848

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Change Frequency	5 Years
Min Rate At Change	6%
Margin	2
Max Rate	9.25%

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	103 CREEKSIDE DR, MORGANTON, NC 28655-5204
Document Number	0023600276
Instrument Date	Jul 30, 2018
Transaction Type	Mortgage
Record Updated	Aug 21, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 CREEKSIDE DR MORGANTON NC 286555204, MORGANTON, NC 28655-5204

Mortgage

Document Number	0023600276
Date	Aug 6, 2018
Book Page	002360/000276
Instrument	18661

Lender

Name	STATE EMPS CU
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 103 Creekside Dr was $1,280, up 81% from the year before.

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	$1,280.00 (+81.05%)	$212,427 (+93.06%) Land $25,600 Building $186,827	$212,427 (+93.06%) Land $25,600 Building $186,827
2025	$707.00	$110,034 Land $25,600 Building $84,434	$110,034 Land $25,600 Building $84,434
2023	$1,196.00	$197,934 Land $25,600 Building $172,334	$197,934 Land $25,600 Building $172,334

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 103 Creekside Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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

Wildfire risk around 103 Creekside Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 97 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum.

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