109 Falls St, Morganton, NC 28655 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,814 sqft · built 1948
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Last Sale	$290,000 (Aug 2025)
Tax Bill	$1,099 (2026)
Deeds & Mortgages	May 2022 Line of Credit Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1793921813`

Property Details

APN / Parcel Number

Primary APN	`1793921813`
Alternative APN	`8320`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,814 sqft Living Area
1st Floor Area	1,188 sqft
Basement Area	1,148 sqft
Unfinished Basement	1,148 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Porch	Patio
Porch Area	24 sqft
Patio Area	250 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 FALLS ST
City	MORGANTON
State	NC
Zip	28655-4315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	109 FALLS ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1027
Census Tract	21400

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	2 Individual Names on Record
Mailing Address	109 FALLS ST, MORGANTON, NC 28655-4315
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 30, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK AND TRUST CO IN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Nov 30, 2020 · Amount on Record
Deed Document Number	202525006739
Deed Book / Page	2823 / 499
Record Updated	Oct 29, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 FALLS ST, MORGANTON, NC 28655-4315
Transaction Type	Mortgage
Record Updated	Jun 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FALLS ST, MORGANTON, NC 28655-4315

Mortgage

Document Number	0026250449
Date	May 26, 2022
Book Page	2625/449
Instrument	2022021632

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 30, 2020
Property Address	109 FALLS ST, MORGANTON, NC 28655-4315
Document Number	0025040285
Book / Page	2504 / 285
Instrument Date	Nov 24, 2020
Instrument	2017047569
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$430.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FALLS ST, MORGANTON, NC 28655-4315

Mortgage

Document Number	2017047570
Date	Nov 30, 2020
Instrument	2017047570

Lender

Name	FIRST CITIZENS BANK AND TRUST CO IN
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$1,099.00 (+2.14%)	$179,689 (+1.77%) Land $18,792 Building $160,897	$179,689 (+1.77%) Land $18,792 Building $160,897
2025	$1,076.00	$176,558 (-) Land $18,792 Building $157,766	$176,558 (-) Land $18,792 Building $157,766
2023	$1,076.00	$176,558 Land $18,792 Building $157,766	$176,558 Land $18,792 Building $157,766

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	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 96% of the US · lower than 97.9% of North Carolina
Wildfire Likelihood	0.01% 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 212 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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