103 Kirk St, Morganton, NC 28655 Property Records

Burke County property record for 103 Kirk St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 890 sqft · built 1950
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$65,000 (Oct 2022)
Tax Bill	$452 (2026)
Deeds & Mortgages	Oct 2022 Sale & Line of Credit Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2704520313`

Property Details

APN / Parcel Number

Primary APN	`2704520313`
Alternative APN	`4822`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	890 sqft Living Area
1st Floor Area	890 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	4,792 sqft (0.11 acres)

Exterior Amenities

Porch	Slab
Porch Area	114 sqft
Patio Area	90 sqft
Shed	1 Shed
Shed Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	103 KIRK ST
City	MORGANTON
State	NC
Zip	28655-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	103 KIRK ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	5
Census Block	5013
Census Tract	20600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	PO BOX 5458, ASHEVILLE, NC 28813-5458
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Line of Credit FIRST CITIZENS BANK AND TRUST CO IN
Nov 27, 2019	Warranty Deed, Transfer LEONARD J & PATRICK K SMITH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Mar 1, 2013 · Amount on Record
Deed Document Number	202221026584
Deed Book / Page	2650 / 99
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 7, 2022
Property Address	103 KIRK ST, MORGANTON, NC 28655-2702
Document Number	0026500099
Book / Page	2650 / 99
Instrument Date	Oct 7, 2022
Instrument	2021026584
Transaction Type	Transfer
Record Updated	Oct 13, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 5458, ASHEVILLE, NC 28813-5458

Mortgage

Document Number	2021026585
Date	Oct 7, 2022
Instrument	2021026585

Lender

Name	FIRST CITIZENS BANK AND TRUST CO IN
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 27, 2019
Property Address	103 KIRK ST, MORGANTON, NC 28655-2702
Document Number	0024360582
Book / Page	002436 / 000582
Instrument Date	Nov 22, 2019
Instrument	34692
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6242 ST JOHN CHURCH AVE CONNELLY SPRINGS NC 286128378, CONNELLY SPRINGS, NC 28612-8378

Mortgage

Document Number	24360585
Date	Nov 27, 2019
Book Page	002436/000585
Instrument	34693

Lender

Name	LEONARD J & PATRICK K SMITH
Address	2946 FISH HATCHERY RD, MORGANTON, NC 28655-7543
Special Notes	Seller Financed

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 26, 2034

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	$452.00 (+1.12%)	$63,091 (-) Land $4,469 Building $58,622	$63,091 (-) Land $4,469 Building $58,622
2025	$447.00 (+1.36%)	$63,091 (-) Land $4,469 Building $58,622	$63,091 (-) Land $4,469 Building $58,622
2023	$441.00	$63,091 Land $4,469 Building $58,622	$63,091 Land $4,469 Building $58,622

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Fiber · Cable	5,000 / 5,000
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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