Burke County property record for 103 Terrace Pl, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,721 sqft · built 1918 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,000 (Jun 2016) |
| Tax Bill | $3,095 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Mar 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2703162165 |
| Primary APN | 2703162165 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,721 sqft Living Area |
| 1st Floor Area | 2,184 sqft |
| Basement Area | 434 sqft |
| Unfinished Basement | 434 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 22,651 sqft (0.52 acres) |
| Garage Type | Attached |
| Pool Area | 384 sqft |
|---|---|
| Porch | Slab |
| Porch Area | 423 sqft |
| Canopy | 40 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 103 TERRACE PL |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-3775 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOW INTENS |
| Legal Description | 103 TERRACE PL MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 20500 |
Source: Burke County records · APN 2703162165
Assessment roll updated September 25, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 103 TERRACE PL, MORGANTON, NC 28655-3775 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 05, 2018 | Deed of Trust, Mortgage · Commercial Mortgage FIRST CITIZENS BANK AND TRUST CO INC |
| Mar 04, 2019 | Quit Claim Deed, Transfer Quitclaim |
| Sep 07, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 29, 2016 · Amount on Record |
| Deed Sale | Jun 29, 2016 · Amount on Record |
| Deed Document Number | 20165561 |
| Deed Book / Page | 2244 / 1 |
| Last Transfer Date | Feb 28, 2019 |
| Transfer Doc | 0023910092 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 103 TERRACE PL, MORGANTON, NC 28655-3775 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023690707 |
|---|---|
| Date | Oct 05, 2018 |
| Book Page | 2369/0707 |
| Instrument | 2017020693 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Mar 04, 2019 |
| Property Address | 103 TERRACE PL, MORGANTON, NC 28655-3775 |
| Document Number | 0023910092 |
| Book / Page | 002391 / 000092 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 25265 |
| Transaction Type | Transfer |
| Record Updated | Mar 08, 2019 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 103 TERRACE PL MORGANTON NC 286553775, MORGANTON, NC 28655-3775 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Sep 07, 2018 |
| Property Address | 103 TERRACE PL, MORGANTON, NC 28655-3775 |
| Document Number | 0023650559 |
| Book / Page | 002365 / 000559 |
| Instrument Date | Sep 06, 2018 |
| Instrument | 19771 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 TERRACE PL MORGANTON NC 286553775, MORGANTON, NC 28655-3775 |
Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Municipality | Morganton City |
| Unified School District | Burke County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,095.00 (-0.58%) | $540,201 (-) Land $84,243 Building $455,958 | $540,201 (-) Land $84,243 Building $455,958 |
| 2023 | $3,113.00 | $540,201 Land $84,243 Building $455,958 | $540,201 Land $84,243 Building $455,958 |
Source: FEMA National Flood Hazard Layer, Burke County (37023C), as of June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230205002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 14 (1994–2024) |
| Claims Outside the SFHA | 2 of 14 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
| Wildfire Risk | Low lower than 94% of the US · lower than 96% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| City of Morganton Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Spectrum, T-Mobile USA.
Based on FCC filings for 214 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NC0112015, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF MORGANTON serves 27,221 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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