115 Elm St, Morganton, NC 28655 Property Records

Burke County property record for 115 Elm St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,204 sqft · built 1941
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Apr 2018)
Tax Bill	$1,045 (2026)
Deeds & Mortgages	Apr 2018 Sale & Mortgage Sep 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`1783532222`

Property Details

APN / Parcel Number

Primary APN	`1783532222`
Alternative APNs	`1783532211` `4776`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft
Basement Area	295 sqft
Unfinished Basement	295 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1941
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	172 sqft
Patio Area	159 sqft
Canopy	171 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	115 ELM ST
City	MORGANTON
State	NC
Zip	28655-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	LO2 PL48-26
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

115 Elm St is owned and occupied by an individual who bought it in April 2018.

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

Owner of Record	Individual Name on File
Mailing Address	115 ELM ST, MORGANTON, NC 28655-4100
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
Apr 19, 2018	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 12, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 2018 · Amount on File
Deed Sale	Apr 19, 2018 · Amount on File
Prior Sale	Sep 12, 2017 · Amount on File
Deed Document Number	20182017015090
Deed Book / Page	2343 / 635
Prior Transfer Date	Nov 30, 2010
Prior Transfer Doc	0019340221
Record Updated	Oct 29, 2026

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 19, 2018
Property Address	115 ELM ST, MORGANTON, NC 28655-4100
Document Number	0023430635
Book / Page	2343 / 0635
Map Reference	MB48 PG26
Instrument Date	Apr 13, 2018
Instrument	2017015090
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 ELM ST, MORGANTON, NC 28655-4100

Mortgage

Document Number	0023430638
Date	Apr 19, 2018
Book Page	2343/0638
Instrument	2017015091

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 12, 2017
Property Address	115 ELM ST, MORGANTON, NC 28655-4100
Document Number	0023100934
Book / Page	002310 / 000934
Instrument Date	Sep 11, 2017
Instrument	8158
Transaction Type	Transfer
Record Updated	Nov 8, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$99.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	302 W UNION ST MORGANTON NC 286553729, MORGANTON, NC 28655-3729

Tax Assessment & Valuation

The 2026 property tax bill for 115 Elm St was $1,045, 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	$1,045.00 (+0.48%)	$170,043 (-) Land $19,200 Building $150,843	$170,043 (-) Land $19,200 Building $150,843
2025	$1,040.00	$170,043 Land $19,200 Building $150,843	$170,043 Land $19,200 Building $150,843
2023	$1,040.00	$170,043 Land $19,200 Building $150,843	$170,043 Land $19,200 Building $150,843

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

Flood

FEMA maps place 115 Elm St 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 115 Elm 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 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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