109 Ervindale Ln, Morganton, NC 28655 Property Records

Burke County property record for 109 Ervindale Ln, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,094 sqft · built 1974
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Sep 2016)
Tax Bill	$1,160 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2703855376`

Property Details

APN / Parcel Number

Primary APN	`2703855376`
Alternative APN	`7478`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,094 sqft Living Area
1st Floor Area	1,496 sqft
Basement Area	600 sqft
Finished Basement	598 sqft
Unfinished Basement	600 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1985
Architectural Style	Split Level
Exterior Material	Brick/Stone
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 ERVINDALE LN
City	MORGANTON
State	NC
Zip	28655-3634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	109 ERVINGDALE LN MORGANTON, NC 28655
Legal Subdivision	SOUTH FOREST SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2002
Census Tract	20600

Owner

109 Ervindale Ln is owned and occupied by an individual who bought it in September 2016.

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

Owner of Record	Individual Name on File
Mailing Address	109 ERVINDALE LN, MORGANTON, NC 28655-3634
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU OF MARYLAND INC
Aug 1, 2017	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 26, 2016 · Amount on File
Deed Sale	Sep 26, 2016 · Amount on File
Deed Document Number	20168427
Deed Book / Page	2257 / 450
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 ERVINDALE LN, MORGANTON, NC 28655-3634
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026040955
Date	Feb 22, 2022
Book Page	2604/955
Instrument	2021017659

Lender

Name	STATE EMPLOYEES CU OF MARYLAND INC
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 ERVINDALE LN, MORGANTON, NC 28655-3634
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023040771
Date	Aug 1, 2017
Book Page	2304/0771
Instrument	2017006896

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 109 Ervindale Ln was $1,160, 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	$1,160.00 (+0.43%)	$190,732 (-) Land $29,400 Building $161,332	$190,732 (-) Land $29,400 Building $161,332
2025	$1,155.00	$190,732 Land $29,400 Building $161,332	$190,732 Land $29,400 Building $161,332
2023	$1,156.00	$190,732 Land $29,400 Building $161,332	$190,732 Land $29,400 Building $161,332

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

Flood

FEMA maps place 109 Ervindale Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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 (1993–2024)
Claims Outside the SFHA	2 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

Wildfire risk around 109 Ervindale Ln 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	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.

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 199 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

May also be available: Verizon.

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