1174 Watermill Rd, Morganton, NC 28655 Property Records

Burke County property record for 1174 Watermill Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,364 sqft · built 1968
Lot Size	1.52 acres (66,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$25,000 (Jun 2005)
Tax Bill	$1,113 (2026)
Deeds & Mortgages	Dec 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1784075972`

Property Details

APN / Parcel Number

Primary APN	`1784075972`
Alternative APN	`26854`

Interior

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	1,364 sqft Living Area
1st Floor Area	1,364 sqft
Basement Area	1,364 sqft
Unfinished Basement	1,364 sqft
Utility Room	Utility Room
Flooring	Tile

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1975
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	66,211 sqft (1.52 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1174 WATERMILL RD
City	MORGANTON
State	NC
Zip	28655-8231
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1174 WATERMILL RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	1
Census Block	1020
Census Tract	20204

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	1174 WATERMILL RD, MORGANTON, NC 28655-8231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2005 · Amount on Record
Deed Sale	Jun 7, 2005 · Amount on Record
Deed Document Number	20057852
Deed Book / Page	1468 / 608
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1174 WATERMILL RD, MORGANTON, NC 28655-8231
Transaction Type	Mortgage
Record Updated	Dec 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025890752
Date	Dec 8, 2021
Book Page	2589/752
Instrument	2021014707

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	10 Months
Due	Oct 7, 2022

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1174 WATERMILL RD, MORGANTON, NC 28655-8231
Transaction Type	Mortgage
Record Updated	Oct 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025150597
Date	Jan 26, 2021
Book Page	2515/597
Instrument	2021000879

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,113.00 (+0.45%)	$160,068 (-) Land $26,264 Building $133,804	$160,068 (-) Land $26,264 Building $133,804
2025	$1,108.00 (+0.45%)	$160,068 (+0.84%) Land $26,264 Building $133,804	$160,068 (+0.84%) Land $26,264 Building $133,804
2023	$1,103.00	$158,729 Land $26,264 Building $132,465	$158,729 Land $26,264 Building $132,465

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	2 in force
Nearby Flood Claims	2 (2018–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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