125 Polly St, Morganton, NC 28655 Property Records

Burke County property record for 125 Polly St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,144 sqft · built 1977
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Tax Bill	$942 (2026)
Deeds & Mortgages	Apr 2024 Line of Credit Mar 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`1794363391`

Property Details

APN / Parcel Number

Primary APN	`1794363391`
Alternative APN	`32620`

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	1,144 sqft Living Area
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	286 sqft
Unfinished Basement	858 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Slab
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Oil
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	125 POLLY ST
City	MORGANTON
State	NC
Zip	28655-9095
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	125 POLLY ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2015
Census Tract	20202

Owner

125 Polly St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	125 POLLY ST, MORGANTON, NC 28655-9095
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
Apr 25, 2024	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	125 POLLY ST, MORGANTON, NC 28655-9095
Transaction Type	Mortgage
Record Updated	May 6, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027400811
Date	Apr 25, 2024
Book Page	2740/811
Instrument	2024003495

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	125 POLLY ST, MORGANTON, NC 28655-9095
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024540906
Date	Mar 20, 2020
Book Page	2454/906
Instrument	2017038415

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 125 Polly St was $942, up 0.5% 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	$942.00 (+0.53%)	$151,486 (-) Land $16,904 Building $134,582	$151,486 (-) Land $16,904 Building $134,582
2025	$937.00	$151,486 Land $16,904 Building $134,582	$151,486 Land $16,904 Building $134,582
2023	$936.00	$151,486 Land $16,904 Building $134,582	$151,486 Land $16,904 Building $134,582

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

Flood

FEMA maps place 125 Polly St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 28, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Apr 2003 · rainfall accumulation

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 125 Polly St is low, with a 0.03% annual chance of 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	0.03% 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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Spectrum.

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