108 S Main St, Morganton, NC 28655 Property Records

Burke County property record for 108 S Main St, Morganton, NC 28655

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1 ba · 1,360 sqft · built 1935
Lot Size	0.03 acres (1,307 sqft)
Owner	2 Individual Names on File
Last Sale	$79,000 (Jan 2023)
Tax Bill	$296 (2026)
Deeds & Mortgages	Jan 2023 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2724702870`

Property Details

APN / Parcel Number

Primary APN	`2724702870`
Alternative APN	`38183`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,360 sqft Total Area

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick Veneer
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Mansard
Roof Material	Built-Up Asphalt
Lot Area	1,307 sqft (0.03 acres)

Location & Zoning

Street Address	108 S MAIN ST
City	MORGANTON
State	NC
Zip	28655
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	CENTRAL BU
Legal Description	108 S MAIN ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	DREXEL
Census Block Group	3
Census Block	3001
Census Tract	20801

Owner

108 S Main St, a commercial property, is owned by two individuals who bought it in January 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	107 PARKLAND ST, MORGANTON, NC 28655-9033
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 23, 2023 · Amount on File
Deed Sale	Jan 23, 2023 · Amount on File
Prior Sale	Dec 31, 2012 · Amount on File
Deed Document Number	2023602
Deed Book / Page	2666 / 635
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 23, 2023
Property Address	108 S MAIN ST, MORGANTON, NC 28655
Document Number	0026660635
Book / Page	2666 / 635
Instrument Date	Jan 13, 2023
Instrument	2023000602
Transaction Type	Transfer
Record Updated	Feb 1, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$158.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 PARKLAND ST, MORGANTON, NC 28655-9033

Mortgage

Document Number	2023000603
Date	Jan 23, 2023
Instrument	2023000603

Lender

Name	R RICHARDRAMSEY
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 108 S Main St was $296, up 4.6% 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	Drexel Town
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$296.00 (+4.59%)	$31,380 (-) Land $5,948 Building $25,432	$31,380 (-) Land $5,948 Building $25,432
2025	$283.00	$31,380 Land $5,948 Building $25,432	$31,380 Land $5,948 Building $25,432
2023	$160.00	$31,380 Land $5,948 Building $25,432	$31,380 Land $5,948 Building $25,432

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 108 S Main St 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 108 S Main 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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	TOWN OF DREXEL serves 3,302 people · EPA ID NC0112045
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 133 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Foothills Broadband Fiber	5,000 / 5,000
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20