1194 Whispering Woods Dr, Morganton, NC 28655 Property Records

Burke County property record for 1194 Whispering Woods Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,140 sqft · built 2022
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on Record
Last Sale	$795,000 (Nov 2020)
Tax Bill	$13,010 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`1754640939`

Property Details

APN / Parcel Number

Primary APN	`1754640939`
Alternative APN	`58730`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,140 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Construction Type	Frame
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	130,680 sqft (3 acres)
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	319 sqft
Patio Area	240 sqft
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1194 WHISPERING WOODS DR
City	MORGANTON
State	NC
Zip	28655-0004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PLANNED RE
Legal Description	1194 WHISPERING WOODS DR MORGANTON, NC 28655
Legal Subdivision	SOUTHPOINTE
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2008
Census Tract	20203

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	343 9TH ST NW, NAPLES, FL 34120-5013
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage TD BANK NA
Nov 24, 2020	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2020 · Amount on Record
Deed Sale	Nov 24, 2020 · Amount on Record
Prior Sale	Sep 9, 2005 · Amount on Record
Deed Document Number	202017047369
Deed Book / Page	2503 / 151
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1194 WHISPERING WOODS DR, MORGANTON, NC 28655-0004
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026040908
Date	Feb 21, 2022
Book Page	2604/908
Instrument	2022017653

Lender

Name	TD BANK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

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

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 24, 2020
Property Address	1194 WHISPERING WOODS DR, MORGANTON, NC 28655-0004
Document Number	0025030151
Book / Page	002503 / 000151
Instrument Date	Nov 24, 2020
Instrument	47369
Transaction Type	Transfer
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$3.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 S GREEN ST #A MORGANTON NC 286553526, A, MORGANTON, NC 28655-3526

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	$13,010.00 (+0.04%)	$2,033,684 (-) Land $890,000 Building $1,143,684	$2,033,684 (-) Land $890,000 Building $1,143,684
2025	$13,005.00 (+44.4%)	$2,033,684 (+1.39%) Land $890,000 Building $1,143,684	$2,033,684 (+1.39%) Land $890,000 Building $1,143,684
2023	$9,006.00	$2,005,713 Land $890,000 Building $1,115,713	$2,005,713 Land $890,000 Building $1,115,713

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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 98% of the US · lower than 99% 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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