Burke County property record for 113 Stephens Dr, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,412 sqft · built 1955 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $220,000 (Sep 2023) |
| Tax Bill | $1,149 (2025) |
| Deeds & Mortgages | Nov 2025 Transfer Sep 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2703687244 |
| Primary APN | 2703687244 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,412 sqft Living Area |
| 1st Floor Area | 952 sqft |
| Basement Area | 1,412 sqft |
| Finished Basement | 460 sqft |
| Unfinished Basement | 952 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 495 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 115 sqft |
| Deck Area | 30 sqft |
| Patio Area | 228 sqft |
| Canopy | 30 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 113 STEPHENS DR |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-2937 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOW INTENS |
| Legal Description | 113 STEPHENS DR MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 20600 |
Source: Burke County assessment roll, as of September 25, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 113 STEPHENS DR, MORGANTON, NC 28655-2937 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Sole Owner |
| Date | Document |
|---|---|
| Nov 17, 2025 | Intrafamily Transfer, Transfer |
| Sep 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 22, 2023 · Amount on Record |
| Deed Sale | Sep 22, 2023 · Amount on Record |
| Deed Document Number | 20238820 |
| Deed Book / Page | 2707 / 275 |
| Last Transfer Date | Nov 17, 2025 |
| Transfer Doc | 0028390979 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Nov 17, 2025 |
| Property Address | 113 STEPHENS DR, MORGANTON, NC 28655-2937 |
| Document Number | 0028390979 |
| Book / Page | 2839 / 979 |
| Instrument Date | Nov 17, 2025 |
| Instrument | 2025009700 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 STEPHENS DR, MORGANTON, NC 28655-2937 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Sep 22, 2023 |
| Property Address | 113 STEPHENS DR, MORGANTON, NC 28655-2937 |
| Document Number | 0027070275 |
| Book / Page | 2707 / 275 |
| Instrument Date | Sep 22, 2023 |
| Instrument | 2023008820 |
| Transaction Type | Transfer |
| Record Updated | Oct 5, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $440.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 STEPHENS DR, MORGANTON, NC 28655-2937 |
| Document Number | 2023008821 |
|---|---|
| Date | Sep 22, 2023 |
| Instrument | 2023008821 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.77% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.77% |
| Max Rate At Change | 8.77% |
| Index | 5-Year CMT |
| Max Rate | 12.7% |
Source: Burke County assessment roll, as of September 25, 2025
| 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 |
|---|---|---|---|
| 2025 | $1,149.00 (+42.03%) | $189,726 (+47.21%) Land $18,850 Building $170,876 | $189,726 (+47.21%) Land $18,850 Building $170,876 |
| 2023 | $809.00 | $128,882 Land $18,850 Building $110,032 | $128,882 Land $18,850 Building $110,032 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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 |
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 237 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 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| City of Morganton Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
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