109 Whitley Rd, Morganton, NC 28655 Property Records

Burke County property record for 109 Whitley Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,596 sqft · built 1953
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Jul 2023)
Tax Bill	$975 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1783536094`

Property Details

APN / Parcel Number

Primary APN	`1783536094`
Alternative APN	`12591`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
1st Floor Area	1,596 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	30 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	600 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	109 WHITLEY RD
City	MORGANTON
State	NC
Zip	28655-4135
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	109 WHITLEY RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

109 Whitley Rd is owned and occupied by an individual who bought it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	109 WHITLEY RD, MORGANTON, NC 28655-4135
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
Jul 7, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 5, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2023 · Amount on File
Deed Sale	Jul 7, 2023 · Amount on File
Deed Document Number	20236195
Deed Book / Page	2694 / 5
Prior Transfer Date	Mar 31, 2022
Prior Transfer Doc	0026140620
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 7, 2023
Property Address	109 WHITLEY RD, MORGANTON, NC 28655-4135
Document Number	0026940005
Book / Page	2694 / 5
Map Reference	MB 3 PG 48
Instrument Date	Jun 29, 2023
Instrument	2023006195
Transaction Type	Transfer
Record Updated	Sep 29, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 DUCK BLIND TRL, MYRTLE BEACH, SC 29588-4136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 W UNION ST APT C, C, MORGANTON, NC 28655-4260

Mortgage

Document Number	2023006196
Date	Jul 7, 2023
Instrument	2023006196

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

Mortgage

Document Number	0026940025
Date	Jul 7, 2023
Book Page	2694/25
Instrument	2023006197

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	28066

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jul 6, 2038

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Apr 5, 2022
Property Address	109 WHITLEY RD, MORGANTON, NC 28655-4135
Document Number	0026140620
Book / Page	2614 / 620
Instrument Date	Mar 31, 2022
Instrument	2021019516
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	109 WHITLEY RD, 109, MORGANTON, NC 28655-4135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 DUCK BLIND TRL, MYRTLE BEACH, SC 29588-4136

Tax Assessment & Valuation

The 2026 property tax bill for 109 Whitley Rd was $975, up 0.5% 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	$975.00 (+0.52%)	$157,403 (-) Land $16,000 Building $141,403	$157,403 (-) Land $16,000 Building $141,403
2025	$970.00	$157,403 Land $16,000 Building $141,403	$157,403 Land $16,000 Building $141,403
2023	$969.00	$157,403 Land $16,000 Building $141,403	$157,403 Land $16,000 Building $141,403

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

Flood

FEMA maps place 109 Whitley Rd in Zone X, an area of minimal flood risk, though there have been 4 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
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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 Whitley Rd 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 97% of the US · lower than 98.5% 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 80 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

May also be available: Spectrum.

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