105 Stephens Dr, Morganton, NC 28655 Property Records

Burke County property record for 105 Stephens Dr, Morganton, NC 28655 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,069 sqft · built 1935
Lot Size	0.64 acres (27,878 sqft)
Owner	Individual Name on File
Last Sale	$68,400 (Jul 2014)
Tax Bill	$857 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Sep 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2703686553`

Property Details

APN / Parcel Number

Primary APN	`2703686553`
Alternative APN	`5018`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,069 sqft Living Area
1st Floor Area	1,110 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	366 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	105 STEPHENS DR
City	MORGANTON
State	NC
Zip	28655-2937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	105 STEPHENS DR MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2014
Census Tract	20600

Owner

Source: Burke County records · APN 2703686553

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	Individual Name on File
Mailing Address	105 STEPHENS DR, MORGANTON, NC 28655-2937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 27, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 16, 2014 · Amount on Record
Deed Sale	Jul 16, 2014 · Amount on Record
Prior Sale	Apr 10, 2007
Deed Document Number	20145644
Deed Book / Page	2145 / 711
Prior Transfer Date	Apr 02, 2007
Prior Transfer Doc	0016560020
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	105 STEPHENS DR, MORGANTON, NC 28655-2937
Transaction Type	Mortgage
Record Updated	Jan 07, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 STEPHENS DR, MORGANTON, NC 28655-2937

Mortgage

Document Number	0028470419
Date	Dec 29, 2025
Book Page	2847/419
Instrument	2025011100

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 01, 2031
Change Frequency	5 Years
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	5-Year CMT
Max Rate	11.1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	105 STEPHENS DR, MORGANTON, NC 28655-2937
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027070991
Date	Sep 27, 2023
Book Page	2707/991
Instrument	2023008950

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified April 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

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	$857.00 (+0.23%)	$136,988 (-) Land $33,752 Building $103,236	$136,988 (-) Land $33,752 Building $103,236
2023	$855.00	$136,988 Land $33,752 Building $103,236	$136,988 Land $33,752 Building $103,236

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Burke County (37023C), updated June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230206002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1993–2024)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Sep 2024, river or lake flooding, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 237 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
City of Morganton	Cable	1,000 / 50
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Stephens Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures