105 Franklin St, Morganton, NC 28655 Property Records

Burke County property record for 105 Franklin St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,371 sqft · built 1935
Lot Size	1.51 acres (65,776 sqft)
Owner	2 Individual Names on File
Last Sale	$80,000 (Nov 2021)
Tax Bill	$984 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1783109948`

Property Details

APN / Parcel Number

Primary APN	`1783109948`
Alternative APNs	`1793117353` `4141`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,371 sqft Living Area
1st Floor Area	1,369 sqft
Basement Area	685 sqft
Unfinished Basement	685 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	65,776 sqft (1.51 acres)
Garage Type	Carport
Garage Area	987 sqft
Carport	Carport
Carport Area	987 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	124 sqft
Patio Area	176 sqft
Shed	1 Shed
Shed Area	147 sqft
Canopy	384 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	105 FRANKLIN ST
City	MORGANTON
State	NC
Zip	28655-8286
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	105 FRANKLIN ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3033
Census Tract	21400

Owner

105 Franklin St is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 FRANKLIN ST, MORGANTON, NC 28655-8286
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
Nov 24, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage THOMAS MORAN FRANKLIN ETUX
Dec 19, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Deed Document Number	202114163
Deed Book / Page	2586 / 852
Prior Transfer Date	Dec 18, 2017
Prior Transfer Doc	0023250850
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 24, 2021
Property Address	105 FRANKLIN ST, MORGANTON, NC 28655-8286
Document Number	0025860852
Book / Page	2586 / 852
Instrument Date	Nov 10, 2021
Instrument	2021014163
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1542 CONLEY RD, MORGANTON, NC 28655-8848

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 FRANKLIN ST, MORGANTON, NC 28655-8286

Mortgage

Document Number	2021014172
Date	Nov 24, 2021
Instrument	2021014172

Lender

Name	THOMAS MORAN FRANKLIN ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Nov 12, 2031

Interest

Change Frequency	6 Months
Index	5-Year CMT

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	Dec 19, 2017
Property Address	105 FRANKLIN ST, MORGANTON, NC 28655-8286
Document Number	0023250850
Book / Page	002325 / 000850
Instrument Date	Dec 18, 2017
Instrument	11295
Transaction Type	Transfer
Record Updated	Jan 10, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1542 CONLEY RD MORGANTON NC 286558848, MORGANTON, NC 28655-8848

Tax Assessment & Valuation

The 2026 property tax bill for 105 Franklin St was $984, up 0.5% 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	$984.00 (+0.51%)	$159,009 (-) Land $20,641 Building $138,368	$159,009 (-) Land $20,641 Building $138,368
2025	$979.00	$159,009 Land $20,641 Building $138,368	$159,009 Land $20,641 Building $138,368
2023	$978.00	$159,009 Land $20,641 Building $138,368	$159,009 Land $20,641 Building $138,368

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

Flood

FEMA maps place 105 Franklin St in Zone X, an area of minimal flood risk, though there have been 4 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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 105 Franklin 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	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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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