117 Clark St, Morganton, NC 28655 Property Records

Burke County property record for 117 Clark St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,736 sqft · built 1958
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Dec 2025)
Tax Bill	$1,092 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Dec 2025 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2704102954`

Property Details

APN / Parcel Number

Primary APN	`2704102954`
Alternative APN	`7456`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,776 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,024 sqft
Finished Basement	336 sqft
Unfinished Basement	1,024 sqft
Flooring	Wood

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Porch	Slab
Porch Area	21 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	117 CLARK ST
City	MORGANTON
State	NC
Zip	28655-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	117 CLARK ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1004
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	117 CLARK ST, MORGANTON, NC 28655-2505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 23, 2025	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 12, 2019	Deed of Trust, Mortgage · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Deed Document Number	202525011006
Deed Book / Page	2846 / 880
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	117 CLARK ST, MORGANTON, NC 28655-2505
Transaction Type	Mortgage
Record Updated	Jan 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025560196
Date	Jul 20, 2021
Book Page	2556/196
Instrument	2021008449

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Dec 23, 2025
Property Address	117 CLARK ST, MORGANTON, NC 28655-2505
Document Number	0028460880
Book / Page	2846 / 880
Instrument Date	Dec 19, 2025
Instrument	2025011006
Transaction Type	Transfer
Record Updated	Jan 2, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 INDEPENDENCE TRL, MORGANTON, NC 28655-5759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CLARK ST, MORGANTON, NC 28655-2505

Mortgage

Document Number	2025011007
Date	Dec 23, 2025
Instrument	2025011007

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	117 CLARK ST, MORGANTON, NC 28655-2505
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024120830
Date	Jul 12, 2019
Book Page	2412/0830
Instrument	2017029846

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	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	$1,092.00 (+0.55%)	$178,520 (+0.12%) Land $24,360 Building $154,160	$178,520 (+0.12%) Land $24,360 Building $154,160
2025	$1,086.00	$178,309 (-) Land $24,360 Building $153,949	$178,309 (-) Land $24,360 Building $153,949
2023	$1,086.00	$178,309 Land $24,360 Building $153,949	$178,309 Land $24,360 Building $153,949

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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