104 Ann St, Morganton, NC 28655 Property Records

Burke County property record for 104 Ann St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,185 sqft · built 2020
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (Oct 2023)
Tax Bill	$1,289 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Feb 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1793834190`

Property Details

APN / Parcel Number

Primary APN	`1793834190`
Alternative APN	`10363`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,185 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Garage Type	Attached
Garage Area	315 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Deck Area	100 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 ANN ST
City	MORGANTON
State	NC
Zip	28655-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	104 ANN ST MORGANTON, NC 28655
Legal Subdivision	F C PATTON PROPERTY
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1024
Census Tract	21400

Owner

104 Ann St is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Mailing Address	104 ANN ST, MORGANTON, NC 28655-4310
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Feb 23, 2021	Warranty Deed, Subdivision Related Transfer
Jun 29, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Apr 28, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2023 · Amount on File
Deed Sale	Oct 11, 2023 · Amount on File
Prior Sale	Feb 23, 2021 · Amount on File
Deed Document Number	202323009460
Deed Book / Page	2710 / 580
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 11, 2023
Property Address	104 ANN ST, MORGANTON, NC 28655-4310
Document Number	0027100580
Book / Page	2710 / 580
Map Reference	MB 2521 PG 457
Instrument Date	Oct 10, 2023
Instrument	2023009460
Transaction Type	Transfer
Record Updated	Oct 24, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$596.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2941 WOODSIDE AVENUE, MORGANTON, NC 28655

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ANN ST, MORGANTON, NC 28655-4310

Mortgage

Document Number	2023009461
Date	Oct 11, 2023
Instrument	2023009461

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.77%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.77%
Max Rate At Change	8.77%
Index	5-Year CMT
Max Rate	12.7%

February 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 23, 2021
Property Address	104 ANN ST, MORGANTON, NC 28655-4310
Document Number	0025210457
Book / Page	2521 / 457
Instrument Date	Feb 18, 2021
Instrument	2021002025
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount on Record
Tax	$418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 ANN ST, MORGANTON, NC 28655-4310

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 29, 2020
Property Address	104 ANN ST, MORGANTON, NC 28655-4310
Document Number	0024730019
Book / Page	002473 / 000019
Instrument Date	Jun 29, 2020
Instrument	41800
Transaction Type	Transfer
Record Updated	Jul 7, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$36.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 CENTER COURT DR BOONE NC 286078423, BOONE, NC 28607-8423

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 28, 2017
Property Address	104 ANN ST, MORGANTON, NC 28655-4310
Document Number	0022900276
Book / Page	002290 / 000276
Instrument Date	Apr 26, 2017
Instrument	3834
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$20.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15 ADAMS ST FOXBORO MA 020352201, FOXBORO, MA 02035-2201

Tax Assessment & Valuation

The 2026 property tax bill for 104 Ann St was $1,289, up 0.4% 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	$1,289.00 (+0.39%)	$213,896 (-) Land $23,100 Building $190,796	$213,896 (-) Land $23,100 Building $190,796
2025	$1,284.00	$213,896 Land $23,100 Building $190,796	$213,896 Land $23,100 Building $190,796
2023	$1,276.00	$212,320 Land $23,100 Building $189,220	$212,320 Land $23,100 Building $189,220

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Ann St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 104 Ann St is low, with 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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