121 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 121 W Union St, Morganton, NC 28655

Property Summary

Property Type	Other Improved
Details	3 ba · 5,904 sqft · built 1901
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$670,000 (Jul 2021)
Tax Bill	$3,999 (2026)
Deeds & Mortgages	Jul 2021 Sale & Line of Credit Nov 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2703263804`

Property Details

APN / Parcel Number

Primary APN	`2703263804`
Alternative APN	`1296`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	5,904 sqft Total Area

Exterior

Year Built	Built 1901
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Brick Veneer
Roof Type	Gambrel
Roof Material	Built-Up Asphalt
Lot Area	3,049 sqft (0.07 acres)
Deck Area	360 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Street Address	121 W UNION ST
City	MORGANTON
State	NC
Zip	28655-3459
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	CENTRAL BU
Legal Description	121 W UNION ST MORGANTON, NC 28655
Legal Subdivision	PROPERTY OF JUDY ANN WILLIS
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1045
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Morganton Downtown Historic District listed 1987 · 62 contributing resources · NRIS 87001930

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

121 W Union St is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	121 W UNION ST, MORGANTON, NC 28655-3459
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
Jul 9, 2021	Warranty Deed, Transfer · Line of Credit MORGANTON SAVINGS BANK SSB
Nov 1, 2018	Deed of Trust, Mortgage MORGANTON SVGS BK SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2021 · Amount on File
Deed Sale	Jul 9, 2021 · Amount on File
Deed Document Number	20217998
Deed Book / Page	2553 / 668
Prior Transfer Date	Nov 7, 2014
Prior Transfer Doc	0021610883
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 9, 2021
Property Address	121 W UNION ST, MORGANTON, NC 28655-3459
Document Number	0025530668
Book / Page	2553 / 668
Instrument Date	Jul 8, 2021
Instrument	2021007998
Transaction Type	Transfer
Record Updated	Oct 15, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3623, MORGANTON, NC 28680-3623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 W UNION ST, MORGANTON, NC 28655-3459

Mortgage

Document Number	2021007999
Date	Jul 9, 2021
Instrument	2021007999

Lender

Name	MORGANTON SAVINGS BANK SSB
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	121 W UNION ST, MORGANTON, NC 28655-3459
Document Number	0023740897
Instrument Date	Nov 1, 2018
Transaction Type	Mortgage
Record Updated	Nov 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	121 W UNION ST MORGANTON NC 286553459, MORGANTON, NC 28655-3459

Mortgage

Document Number	0023740897
Date	Nov 7, 2018
Book Page	002374/000897
Instrument	21788

Lender

Name	MORGANTON SVGS BK SSB
Address	MORGANTON, NC 28680-1509

Agreement

Amount	Amount on Record
Term	240 Months
Due	Nov 6, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 121 W Union St was $3,999, up 5.4% 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	$3,999.00 (+5.38%)	$683,868 (-) Land $37,572 Building $646,296	$683,868 (-) Land $37,572 Building $646,296
2025	$3,795.00	$683,868 Land $37,572 Building $646,296	$683,868 Land $37,572 Building $646,296
2023	$3,829.00	$683,868 Land $37,572 Building $646,296	$683,868 Land $37,572 Building $646,296

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

Flood

FEMA maps place 121 W Union St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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

The area around 121 W Union St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 237 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
Carolina West Wireless Fixed Wireless	25 / 3
RiverStreet Networks Fixed Wireless	25 / 3

May also be available: Compas X-Stream, Spectrum, T-Mobile, Verizon.

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