121 Silver Creek Rd, Morganton, NC 28655 Property Records

Burke County property record for 121 Silver Creek Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,692 sqft · built 1960
Lot Size	0.56 acres (24,394 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,745 (2026)
Deeds & Mortgages	Nov 2023 Transfer Dec 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1793745146`

Property Details

APN / Parcel Number

Primary APN	`1793745146`
Alternative APN	`178`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,692 sqft Living Area
1st Floor Area	2,478 sqft
Basement Area	1,214 sqft
Finished Basement	1,214 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	24,394 sqft (0.56 acres)

Exterior Amenities

Pool Area	520 sqft
Porch	Slab
Porch Area	108 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	121 SILVER CREEK RD
City	MORGANTON
State	NC
Zip	28655-4204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	121 SILVER CREEK RD MORGANTON, NC 28655
Legal Subdivision	WALTON HEIGHTS
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2006
Census Tract	20500

Owner

121 Silver Creek Rd is owned and occupied by two individuals who acquired it in November 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204
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
Nov 15, 2023	Intrafamily Transfer, Transfer
Dec 20, 2021	Deed of Trust, Mortgage · Line of Credit FIRST HORIZON BANK
Jul 6, 2017	Deed of Trust, Mortgage · Line of Credit CAPITAL BANK CORPORATION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 14, 2023
Transfer Doc	0027160298
Record Updated	Oct 29, 2026

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Nov 15, 2023
Property Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204
Document Number	0027160298
Book / Page	2716 / 298
Instrument Date	Nov 14, 2023
Instrument	2023010609
Transaction Type	Transfer
Record Updated	Nov 23, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204
Transaction Type	Mortgage
Record Updated	Feb 2, 2022
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204

Mortgage

Document Number	0025920431
Date	Dec 20, 2021
Book Page	2592/431
Instrument	2022015217

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38118

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	121 SILVER CREEK RD, MORGANTON, NC 28655-4204
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023000877
Date	Jul 6, 2017
Book Page	2300/0877
Instrument	2017006096

Lender

Name	CAPITAL BANK CORPORATION
Type	Bank
Address	MORGANTON, NC 28655

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 121 Silver Creek Rd was $1,745, up 0.3% 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	$1,745.00 (+0.29%)	$296,119 (-) Land $50,518 Building $245,601	$296,119 (-) Land $50,518 Building $245,601
2025	$1,740.00	$296,119 Land $50,518 Building $245,601	$296,119 Land $50,518 Building $245,601
2023	$1,746.00	$296,119 Land $50,518 Building $245,601	$296,119 Land $50,518 Building $245,601

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

Flood

FEMA maps place 121 Silver Creek Rd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1994.

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	8 in force
Nearby Flood Claims	14 (1994–2024)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Tropical Storm Frances, Sep 2004 · 5 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 121 Silver Creek Rd 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

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