109 Clark St, Morganton, NC 28655 Property Records

Burke County property record for 109 Clark St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,100 sqft · built 1959
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Tax Bill	$758 (2026)
Deeds & Mortgages	Mar 2022 Line of Credit Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2704116211`

Property Details

APN / Parcel Number

Primary APN	`2704116211`
Alternative APN	`6892`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	1,100 sqft
Basement Area	1,100 sqft
Unfinished Basement	1,100 sqft
Flooring	Wood

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 CLARK ST
City	MORGANTON
State	NC
Zip	28655-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	109 CLARK ST MORGANTON, NC 28655
Legal Subdivision	THOMAS STEVEN BIGGERSTAFF
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1004
Census Tract	20500

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	Individual Name on Record
Mailing Address	109 CLARK ST, MORGANTON, NC 28655-2505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 22, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 CLARK ST, MORGANTON, NC 28655-2505
Transaction Type	Mortgage
Record Updated	Apr 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026100989
Date	Mar 22, 2022
Book Page	2610/989
Instrument	2022018838

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

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 CLARK ST, MORGANTON, NC 28655-2505
Document Number	0009070731
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 CLARK ST MORGANTON NC 286552505, MORGANTON, NC 28655-2505

Mortgage

Document Number	0009070731
Date	Jan 15, 2021
Book Page	000907/000731
Instrument	517

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 14, 2031

Tax Assessment & Valuation

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	$758.00 (+0.66%)	$118,214 (-) Land $15,660 Building $102,554	$118,214 (-) Land $15,660 Building $102,554
2025	$753.00 (-0.4%)	$118,214 (-) Land $15,660 Building $102,554	$118,214 (-) Land $15,660 Building $102,554
2023	$756.00	$118,214 Land $15,660 Building $102,554	$118,214 Land $15,660 Building $102,554

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 · 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	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 claims

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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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