103 N Sterling St, Morganton, NC 28655 Property Records

Burke County property record for 103 N Sterling St, Morganton, NC 28655

Property Summary

Property Type	Restaurant
Details	1 ba · 1,814 sqft · built 1901
Lot Size	0.039 acres (1,742 sqft)
Owner	Owner Name on Record
Tax Bill	$881 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Dec 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703273110`

Property Details

APN / Parcel Number

Primary APN	`2703273110`
Alternative APN	`6199`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,814 sqft Total Area
Flooring	Concrete/Cement

Exterior

Year Built	Built 1901
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Wood Frame
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	1,742 sqft (0.039 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	2703273110
Street Address	103 N STERLING ST
City	MORGANTON
State	NC
Zip	28655-3443
Property Category	Commercial
Property Type	Commercial > Retail > Restaurant
Local Zoning Code	CENTRAL BUSINESS DIST
Legal Description	103 N STERLING 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 September 24, 2025

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

Owner of Record	Owner Name on Record
Mailing Address	103 N STERLING ST, MORGANTON, NC 28655-3443
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Deed of Trust, Mortgage · Line of Credit MORGANTON SAVINGS BANK SSB
Dec 15, 2023	Deed of Trust, Mortgage · Construction Mortgage FIRST HORIZON BANK
Dec 30, 2020	Loan Modification, Mortgage MORGANTON FED'L S&L

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 8, 2010
Transfer Doc	0019350467
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	103 N STERLING ST, MORGANTON, NC 28655-3443
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 N STERLING ST, MORGANTON, NC 28655-3443

Mortgage

Document Number	0028610986
Date	Mar 24, 2026
Book Page	2861/986
Instrument	2026002531

Lender

Name	MORGANTON SAVINGS BANK SSB
Type	Bank
Address	MORGANTON, NC 28655

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2036

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	103 N STERLING ST, MORGANTON, NC 28655-3443
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

December 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BURKE NC
Property Address	103 N STERLING ST, MORGANTON, NC 28655-3443
Document Number	0025100998
Instrument Date	Dec 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 19, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	103 N STERLING ST MORGANTON NC 286553443, MORGANTON, NC 28655-3443

Mortgage

Document Number	0025100998
Date	Dec 31, 2020
Book Page	002510/000998
Instrument	48824

Lender

Name	MORGANTON FED'L S&L
Type	Federal Savings Bank
Address	MORGANTON, NC 28655-3429

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Dec 30, 2030

Tax Assessment & Valuation

Source: Burke County assessment roll, as of January 1, 2025

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
2025	$881.00 (-0.9%)	$158,857 (-) Land $19,572 Building $139,285	$158,857 (-) Land $19,572 Building $139,285
2023	$889.00	$158,857 Land $19,572 Building $139,285	$158,857 Land $19,572 Building $139,285

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.

Nearby Properties on N Sterling St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures