109 W Erwin St, Morganton, NC 28655 Property Records

Burke County property record for 109 W Erwin St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,021 sqft · built 1930
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$93,000 (Jul 2019)
Tax Bill	$648 (2026)
Deeds & Mortgages	Jan 2021 Transfer Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703356631`

Property Details

APN / Parcel Number

Primary APN	`2703356631`
Alternative APN	`1801`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,021 sqft Living Area
1st Floor Area	1,021 sqft
Basement Area	241 sqft
Unfinished Basement	241 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Metal
Lot Area	7,841 sqft (0.18 acres)

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Deck Area	120 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 W ERWIN ST
City	MORGANTON
State	NC
Zip	28655-3520
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	109 ERWIN ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1003
Census Tract	21400

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Individually Listed	Dunavant Cotton Manufacturing Company listed 2013 · 1 contributing resources · NRIS 13000227

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

109 W Erwin St is owned and occupied by two individuals who bought it in July 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	109 W ERWIN ST, MORGANTON, NC 28655-3520
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
Jan 29, 2021	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 2, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Dec 13, 2017	Deed of Trust, Mortgage STATE EMPS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2019 · Amount on File
Deed Sale	Jul 2, 2019 · Amount on File
Deed Document Number	20192017029603
Deed Book / Page	2411 / 715
Record Updated	Oct 29, 2026

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	Jan 29, 2021
Property Address	109 W ERWIN ST, MORGANTON, NC 28655-3520
Document Number	0025160713
Book / Page	002516 / 000713
Instrument Date	Jan 21, 2021
Instrument	1071
Transaction Type	Transfer
Record Updated	Mar 15, 2021
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	6173 N SHORE DR NEBO NC 287618603, NEBO, NC 28761-8603

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 2, 2019
Property Address	109 W ERWIN ST, MORGANTON, NC 28655-3520
Document Number	0024110715
Book / Page	2411 / 0715
Instrument Date	Jul 2, 2019
Instrument	2017029603
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$186.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	184 GREENS RD, 184, GRANITE FALLS, NC 28630-8657

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	109 W ERWIN ST, MORGANTON, NC 28655-3520

Mortgage

Document Number	2017029604
Date	Jul 2, 2019
Instrument	2017029604

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	109 W ERWIN ST, MORGANTON, NC 28655-3520
Document Number	0023250076
Book / Page	002325 / 000076
Instrument Date	Dec 13, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 W ERWIN ST MORGANTON NC 286553520, MORGANTON, NC 28655-3520

Mortgage

Document Number	0023250076
Date	Dec 14, 2017
Book Page	002325/000076
Instrument	11173

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5729

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 13, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.6%

Tax Assessment & Valuation

The 2026 property tax bill for 109 W Erwin St was $648, up 0.8% 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	$648.00 (+0.78%)	$98,463 (-) Land $11,700 Building $86,763	$98,463 (-) Land $11,700 Building $86,763
2025	$643.00	$98,463 Land $11,700 Building $86,763	$98,463 Land $11,700 Building $86,763
2023	$639.00	$98,463 Land $11,700 Building $86,763	$98,463 Land $11,700 Building $86,763

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

Flood

FEMA maps place 109 W Erwin St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

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

Wildfire risk around 109 W Erwin 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 99.1% of the US · lower than 99.5% 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.

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Carolina West Wireless Fixed Wireless	25 / 3
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Compas X-Stream, Spectrum, T-Mobile, Verizon.

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