105 Independence Trl, Morganton, NC 28655 Property Records

Burke County property record for 105 Independence Trl, Morganton, NC 28655

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,536 sqft · built 1987
Lot Size	14.8 acres (646,430 sqft)
Owner	2 Individual Names on File
Last Sale	$331,500 (Aug 2024)
Tax Bill	$1,654 (2026)
Deeds & Mortgages	Apr 2024 Transfer Jan 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2704654765`

Property Details

APN / Parcel Number

Primary APN	`2704654765`
Alternative APN	`43248`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,536 sqft Living Area
1st Floor Area	1,024 sqft
Utility Room	Utility Room
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2015
Architectural Style	Condo/Apartment
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	646,430 sqft (14.8 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	1,750 sqft
Porch	Slab
Porch Area	12 sqft
Deck Area	225 sqft
Patio Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	105 INDEPENDENCE TRL
City	MORGANTON
State	NC
Zip	28655-5714
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	LOW INTENS
Legal Description	105 INDEPENDENCE TRL MORGANTON, NC 28655
Legal Subdivision	VICTORY POINTE CONDOMINIUM
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	4
Census Block	4004
Census Tract	20600

Owner

105 Independence Trl, a condominium, is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
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
Apr 17, 2024	Intrafamily Transfer, Transfer
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Dec 1, 2017	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR
Nov 14, 2017	Warranty Deed, Transfer ATTORNEY ONLY
Jan 27, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on File
Deed Sale	Aug 8, 2024 · Amount on File
Prior Sale	Dec 14, 2015 · Amount on File
Deed Document Number	20247060
Deed Book / Page	2759 / 410
Prior Transfer Date	Mar 27, 2024
Prior Transfer Doc	0027390303
Record Updated	Oct 29, 2026

April 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Apr 17, 2024
Property Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
Document Number	0027390303
Book / Page	2739 / 303
Map Reference	MB 716 PG 552
Instrument Date	Mar 27, 2024
Instrument	2024003208
Transaction Type	Transfer
Record Updated	Apr 25, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
Transaction Type	Mortgage
Record Updated	Apr 14, 2022
Title Company	FITCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026000737
Date	Jan 28, 2022
Book Page	2600/737
Instrument	2021016799

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
Document Number	0023250530
Book / Page	002325 / 000530
Instrument Date	Dec 1, 2017
Transaction Type	Mortgage
Record Updated	Jan 24, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 INDEPENDENCE TRL MORGANTON NC 286555714, MORGANTON, NC 28655-5714

Mortgage

Document Number	0023250530
Date	Dec 18, 2017
Book Page	002325/000530
Instrument	11252

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 14, 2017
Property Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
Document Number	0023200888
Book / Page	002320 / 000888
Instrument Date	Nov 14, 2017
Instrument	10222
Transaction Type	Transfer
Record Updated	Dec 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$280.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	105 INDEPENDENCE TRL MORGANTON NC 286555714, MORGANTON, NC 28655-5714

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	Jan 27, 2021
Property Address	105 INDEPENDENCE TRL, MORGANTON, NC 28655-5714
Document Number	0025160020
Book / Page	002516 / 000020
Instrument Date	Jan 30, 1985
Instrument	951
Transaction Type	Transfer
Record Updated	Feb 19, 2021
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
Address	105 INDEPENDENCE TRL MORGANTON NC 286555714, MORGANTON, NC 28655-5714

Tax Assessment & Valuation

The 2026 property tax bill for 105 Independence Trl was $1,654, up 0.3% 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	$1,654.00 (+0.3%)	$279,749 (-) Land $34,800 Building $244,949	$279,749 (-) Land $34,800 Building $244,949
2025	$1,649.00	$279,749 Land $34,800 Building $244,949	$279,749 Land $34,800 Building $244,949
2023	$1,353.00	$225,913 Land $34,800 Building $191,113	$225,913 Land $34,800 Building $191,113

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

Flood

FEMA maps place 105 Independence Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 Independence Trl is low, with a 0.03% 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	0.03% 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable · Fiber in parts of the area	1,000 / 50
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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