Burke County property record for 109 Crayton St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 780 sqft · built 1918 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $72,000 (Mar 2017) |
| Tax Bill | $479 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Nov 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2703730278 |
| Primary APN | 2703730278 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 780 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Year Built | Built 1918 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Metal |
| Lot Area | 4,792 sqft (0.11 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 156 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 109 CRAYTON ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-4007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MEDIUM INT |
| Legal Description | 109 CRAYTON ST MORGANTON, NC 28655 |
| Legal Subdivision | J R WILLIS PROPERTY |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 20600 |
109 Crayton St is owned and occupied by an individual who bought it in March 2017.
Source: Burke County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Nov 6, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Nov 14, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Mar 31, 2017 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 31, 2017 · Amount on File |
| Deed Sale | Mar 31, 2017 · Amount on File |
| Deed Document Number | 20172858 |
| Deed Book / Page | 2285 / 740 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2025 |
| Name | Verified Name |
|---|---|
| Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Document Number | 0028370938 |
|---|---|
| Date | Nov 6, 2025 |
| Book Page | 2837/938 |
| Instrument | 2025009331 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Max Rate | 11.1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0026560247 |
|---|---|
| Date | Nov 14, 2022 |
| Book Page | 2656/247 |
| Instrument | 2021027806 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MORGANTON, NC 28680 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Mar 31, 2017 |
| Property Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Document Number | 0022850740 |
| Book / Page | 2285 / 0740 |
| Instrument Date | Mar 31, 2017 |
| Instrument | 2017002858 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2021 |
| Title Company | ATTORNEY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $144.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CRAYTON ST, MORGANTON, NC 28655-4007 |
| Document Number | 2017002859 |
|---|---|
| Date | Mar 31, 2017 |
| Instrument | 2017002859 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.37% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 10.3% |
The 2026 property tax bill for 109 Crayton St was $479, up 1.1% from the year before.
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Municipality | Morganton City |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $479.00 (+1.05%) | $68,050 (-) Land $5,368 Building $62,682 | $68,050 (-) Land $5,368 Building $62,682 |
| 2025 | $474.00 | $68,050 Land $5,368 Building $62,682 | $68,050 Land $5,368 Building $62,682 |
| 2023 | $469.00 | $68,050 Land $5,368 Building $62,682 | $68,050 Land $5,368 Building $62,682 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 Crayton St 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 Claims | 1 (2004) |
| Most Recent Claim | Sep 2004 · Hurricane Ivan |
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 risk around 109 Crayton St is low, with less than 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 99.8% of the US · lower than 99.9% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 163 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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