114 Clark St, Morganton, NC 28655 Property Records

Burke County property record for 114 Clark St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,813 sqft · built 1954
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$251,500 (Oct 2022)
Tax Bill	$1,324 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Sep 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2704113160`

Property Details

APN / Parcel Number

Primary APN	`2704113160`
Alternative APN	`7077`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,813 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	265 sqft
Finished Basement	520 sqft
Unfinished Basement	265 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)

Exterior Amenities

Porch	Slab
Porch Area	44 sqft
Deck Area	216 sqft
Patio Area	313 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	114 CLARK ST
City	MORGANTON
State	NC
Zip	28655-2506
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	114 CLARK ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1005
Census Tract	20500

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	114 CLARK ST, MORGANTON, NC 28655-2506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Sep 7, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC
Oct 12, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2022 · Amount on Record
Deed Sale	Oct 4, 2022 · Amount on Record
Prior Sale	Sep 7, 2021 · Amount on Record
Deed Document Number	202221026397
Deed Book / Page	2649 / 112
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 4, 2022
Property Address	114 CLARK ST, MORGANTON, NC 28655-2506
Document Number	0026490112
Book / Page	2649 / 112
Instrument Date	Oct 4, 2022
Instrument	2021026397
Transaction Type	Transfer
Record Updated	Oct 12, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$503.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	33 TRAFTON AVE, 33, LIMESTONE, ME 04750-1249

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CLARK ST, MORGANTON, NC 28655-2506

Mortgage

Document Number	2021026398
Date	Oct 4, 2022
Instrument	2021026398

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 7, 2021
Property Address	114 CLARK ST, MORGANTON, NC 28655-2506
Document Number	0025680020
Book / Page	2568 / 20
Instrument Date	Aug 30, 2021
Instrument	2021010641
Transaction Type	Transfer
Record Updated	Oct 13, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	114 CLARK ST, MORGANTON, NC 28655-2506

Mortgage

Document Number	2021010642
Date	Sep 7, 2021
Instrument	2021010642

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 12, 2017
Property Address	114 CLARK ST, MORGANTON, NC 28655-2506
Document Number	0023150702
Book / Page	2315 / 0702
Instrument Date	Oct 12, 2017
Instrument	2017009191
Transaction Type	Transfer
Record Updated	Sep 28, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	114 CLARK ST, MORGANTON, NC 28655-2506

Mortgage

Document Number	2017009192
Date	Oct 12, 2017
Instrument	2017009192

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Fixed Rate
Rate	4.62%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	10.2%

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	$1,324.00 (+0.38%)	$220,295 (-) Land $11,020 Building $209,275	$220,295 (-) Land $11,020 Building $209,275
2025	$1,319.00 (-0.15%)	$220,295 (-) Land $11,020 Building $209,275	$220,295 (-) Land $11,020 Building $209,275
2023	$1,321.00	$220,295 Land $11,020 Building $209,275	$220,295 Land $11,020 Building $209,275

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	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 190 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
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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