107 Ora Rd, Morganton, NC 28655 Property Records

Burke County property record for 107 Ora Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,809 sqft · built 1966
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on Record
Last Sale	$102,000 (Apr 2014)
Tax Bill	$1,104 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1792639246`

Property Details

APN / Parcel Number

Primary APN	`1792639246`
Alternative APN	`9270`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,809 sqft Living Area
1st Floor Area	1,333 sqft
Utility Room	Utility Room
Flooring	Carpet

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	18 sqft
Deck Area	278 sqft
Patio Area	39 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	107 ORA RD
City	MORGANTON
State	NC
Zip	28655-8890
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	107 ORA RD MORGANTON, NC 28655
Legal Subdivision	STROUPES ACRES
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2016
Census Tract	21301

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	107 ORA RD, MORGANTON, NC 28655-8890
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jan 31, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 26, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Jan 21, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2014 · Amount on Record
Deed Sale	Apr 16, 2014 · Amount on Record
Deed Document Number	20142917
Deed Book / Page	2133 / 307
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	107 ORA RD, MORGANTON, NC 28655-8890
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028490946
Date	Jan 14, 2026
Book Page	2849/946
Instrument	2026000362

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	107 ORA RD, MORGANTON, NC 28655-8890
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026000911
Date	Jan 31, 2022
Book Page	2600/911
Instrument	2022016828

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	107 ORA RD, MORGANTON, NC 28655-8890
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025360286
Date	Apr 26, 2021
Book Page	2536/286
Instrument	2021004716

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	107 ORA RD, MORGANTON, NC 28655-8890
Document Number	0024460062
Instrument Date	Jan 21, 2020
Transaction Type	Mortgage
Record Updated	Feb 4, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	107 ORA RD MORGANTON NC 286558890, MORGANTON, NC 28655-8890

Mortgage

Document Number	0024460062
Date	Jan 27, 2020
Book Page	002446/000062
Instrument	36534

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,104.00 (+17.7%)	$153,788 (-) Land $17,200 Building $136,588	$153,788 (-) Land $17,200 Building $136,588
2025	$938.00 (+3.76%)	$153,788 (+18.93%) Land $17,200 Building $136,588	$153,788 (+18.93%) Land $17,200 Building $136,588
2023	$904.00	$129,309 Land $17,200 Building $112,109	$129,309 Land $17,200 Building $112,109

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

Flood

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

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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Compas X-Stream.

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