Burke County property record for 128 Whispering Pine St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,584 sqft · built 1956 |
| Lot Size | 0.6 acres (26,136 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $979 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Apr 2024 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1784808077 |
| Primary APN | 1784808077 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,584 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Basement Area | 528 sqft |
| Finished Basement | 528 sqft |
| Unfinished Basement | 528 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Block |
| Roof Material | Asphalt |
| Lot Area | 26,136 sqft (0.6 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 648 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 60 sqft |
| Deck Area | 120 sqft |
| Patio Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 128 WHISPERING PINE ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-8281 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOW INTENS |
| Legal Description | 128 WHISPERING PINE ST MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 20202 |
128 Whispering Pine St is owned and occupied by an individual.
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Line of Credit BAY BANK TRUST COMPANY |
| Apr 12, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Oct 9, 2017 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jun 23, 2026 |
| Property Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Document Number | 0026005764 |
| Book / Page | 2880 / 576 |
| Instrument Date | Jun 9, 2026 |
| Instrument | 202626005764 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2026 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Document Number | 0026005764, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 2880/576 |
| Instrument | 202626005764 |
| Name | BAY BANK TRUST COMPANY |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Document Number | 0027380777 |
|---|---|
| Date | Apr 12, 2024 |
| Book Page | 2738/777 |
| Instrument | 2024003103 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 128 WHISPERING PINE ST, MORGANTON, NC 28655-8281 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023150183 |
|---|---|
| Date | Oct 9, 2017 |
| Book Page | 2315/0183 |
| Instrument | 2017009083 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2026 property tax bill for 128 Whispering Pine St was $979, down 7.7% from the year before.
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $979.00 (-7.73%) | $138,968 (-) Land $21,923 Building $117,045 | $138,968 (-) Land $21,923 Building $117,045 |
| 2025 | $1,061.00 | $138,968 Land $21,923 Building $117,045 | $138,968 Land $21,923 Building $117,045 |
| 2023 | $1,085.00 | $138,968 Land $21,923 Building $117,045 | $138,968 Land $21,923 Building $117,045 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 128 Whispering Pine St in Zone X, an area of minimal flood risk, though there have been 12 flood claims nearby since 2004.
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 | 9 in force |
| Nearby Flood Claims | 12 (2004–2024) |
| Claims Outside the SFHA | 10 of 12 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 128 Whispering Pine 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Compas X-Stream.
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