108 Surrey Dr, Morganton, NC 28655 Property Records

Burke County property record for 108 Surrey Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,560 sqft · built 1999
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Tax Bill	$1,155 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Aug 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1773801616`

Property Details

APN / Parcel Number

Primary APN	`1773801616`
Alternative APN	`50090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,560 sqft Living Area
1st Floor Area	1,000 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Flooring	Tile

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)

Exterior Amenities

Porch	Slab
Porch Area	144 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	108 SURREY DR
City	MORGANTON
State	NC
Zip	28655-6409
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	108 SURREY DR MORGANTON, NC 28655
Legal Subdivision	CARRIAGE HILLS SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	4
Census Block	4045
Census Tract	20301

Owner

108 Surrey Dr is owned and occupied by an individual who acquired it in March 2016.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	108 SURREY DR, MORGANTON, NC 28655-6409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Aug 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Oct 23, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 28, 2004	Loan Modification, Mortgage · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 25, 2016
Transfer Doc	0022320661
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 6, 2026
Property Address	108 SURREY DR, MORGANTON, NC 28655-6409
Document Number	0026002946
Book / Page	2864 / 549
Instrument Date	Apr 2, 2026
Instrument	202626002946
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SURREY DR, MORGANTON, NC 28655-6409

Mortgage

Document Number	0026002946,
Date	Apr 6, 2026
Book Page	2864/549
Instrument	202626002946

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	108 SURREY DR, MORGANTON, NC 28655-6409
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025620617
Date	Aug 13, 2021
Book Page	2562/617
Instrument	2021009658

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Sep 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	108 SURREY DR, MORGANTON, NC 28655-6409
Document Number	0024340626
Instrument Date	Nov 8, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SURREY DR MORGANTON NC 286556409, MORGANTON, NC 28655-6409

Mortgage

Document Number	0024340626
Date	Nov 14, 2019
Book Page	002434/000626
Instrument	34263

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	108 SURREY DR, MORGANTON, NC 28655-6409
Document Number	0023730318
Instrument Date	Oct 23, 2018
Transaction Type	Mortgage
Record Updated	Nov 12, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SURREY DR NORTH WILKESBORO NC 28656, NORTH WILKESBORO, NC 28656

Mortgage

Document Number	0023730318
Date	Oct 29, 2018
Book Page	002373/000318
Instrument	21446

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 28, 2048

June 2004: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BURKE NC
Property Address	108 SURREY DR, MORGANTON, NC 28655-6409
Document Number	0022820997
Instrument Date	Jun 28, 2004
Transaction Type	Mortgage
Record Updated	Aug 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 SURREY DR MORGANTON NC 286556409, MORGANTON, NC 28655-6409

Mortgage

Document Number	0022820997
Date	Mar 15, 2017
Book Page	002282/000997
Instrument	2315

Lender

Name	BANK OF AMERICA
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 108 Surrey Dr was $1,155, up 0.4% 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	$1,155.00 (+0.43%)	$189,847 (-) Land $19,032 Building $170,815	$189,847 (-) Land $19,032 Building $170,815
2025	$1,150.00	$189,847 Land $19,032 Building $170,815	$189,847 Land $19,032 Building $170,815
2023	$1,151.00	$189,847 Land $19,032 Building $170,815	$189,847 Land $19,032 Building $170,815

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

Flood

FEMA maps place 108 Surrey Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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 Policies	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Tropical Storm Frances

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 108 Surrey Dr is low, with a 0.02% 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	0.02% 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Compas X-Stream.

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