104 Overlook Dr, Morganton, NC 28655 Property Records

Burke County property record for 104 Overlook Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 812 sqft · built 1940
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$148,000 (Oct 2021)
Tax Bill	$733 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2704801283`

Property Details

APN / Parcel Number

Primary APN	`2704801283`
Alternative APN	`3486`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	812 sqft Living Area
1st Floor Area	812 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	104 OVERLOOK DR
City	MORGANTON
State	NC
Zip	28655-2839
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HIGH INTEN
Legal Description	104 OVERLOOK DR MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	5
Census Block	5008
Census Tract	20600

Owner

104 Overlook Dr is owned and occupied by an individual who bought it in October 2021.

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	Individual Name on File
Mailing Address	104 OVERLOOK DR, MORGANTON, NC 28655-2839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2021	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Jun 6, 2018	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Jun 6, 2018 · Amount on File
Deed Document Number	202113038
Deed Book / Page	2580 / 651
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 28, 2021
Property Address	104 OVERLOOK DR, MORGANTON, NC 28655-2839
Document Number	0025800651
Book / Page	2580 / 651
Instrument Date	Oct 28, 2021
Instrument	2021013038
Transaction Type	Transfer
Record Updated	Dec 3, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$296.00
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 OVERLOOK DR, MORGANTON, NC 28655-2839

Mortgage

Document Number	2021013039
Date	Oct 28, 2021
Instrument	2021013039

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 6, 2018
Property Address	104 OVERLOOK DR, MORGANTON, NC 28655-2839
Document Number	0023510001
Book / Page	2351 / 0001
Instrument Date	Jun 6, 2018
Instrument	2017016694
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$84.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 OVERLOOK DR, MORGANTON, NC 28655-2839

Mortgage

Document Number	0023510004
Date	Jun 6, 2018
Book Page	2351/0004
Instrument	2017016695

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 104 Overlook Dr was $733, up 0.7% 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	$733.00 (+0.69%)	$113,783 (-) Land $9,450 Building $104,333	$113,783 (-) Land $9,450 Building $104,333
2025	$728.00	$113,783 Land $9,450 Building $104,333	$113,783 Land $9,450 Building $104,333
2023	$725.00	$113,783 Land $9,450 Building $104,333	$113,783 Land $9,450 Building $104,333

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

Flood

FEMA maps place 104 Overlook Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 104 Overlook Dr 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	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 141 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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