130 Hilltop St, Morganton, NC 28655 Property Records

Burke County property record for 130 Hilltop St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,155 sqft · built 1956
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$105,000 (Mar 2022)
Tax Bill	$389 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2703781037`

Property Details

APN / Parcel Number

Primary APN	`2703781037`
Alternative APN	`4449`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,155 sqft Living Area
1st Floor Area	1,155 sqft
Basement Area	578 sqft
Unfinished Basement	578 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1975
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Patio Area	332 sqft
Shed	1 Shed
Shed Area	80 sqft
Canopy	24 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	130 HILLTOP ST
City	MORGANTON
State	NC
Zip	28655-2914
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	130 HILLTOP ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2014
Census Tract	20600

Owner

130 Hilltop St is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	130 HILLTOP ST, MORGANTON, NC 28655-2914
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
Oct 1, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 21, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage REX D SHUPING ETUX

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Deed Document Number	202221018819
Deed Book / Page	2610 / 843
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	130 HILLTOP ST, MORGANTON, NC 28655-2914
Transaction Type	Mortgage
Record Updated	Oct 10, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 HILLTOP ST, MORGANTON, NC 28655-2914

Mortgage

Document Number	0028300681
Date	Oct 1, 2025
Book Page	2830/681
Instrument	2025007973

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.59%
Index	5-Year CMT
Max Rate	11.5%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 21, 2022
Property Address	130 HILLTOP ST, MORGANTON, NC 28655-2914
Document Number	0026100843
Book / Page	2610 / 843
Instrument Date	Mar 14, 2022
Instrument	2022018819
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3855 BLOSSUM LN, 3855, MORGANTON, NC 28655-8301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 HILLTOP ST, MORGANTON, NC 28655-2914

Mortgage

Document Number	2022018820
Date	Mar 21, 2022
Instrument	2022018820

Lender

Name	REX D SHUPING ETUX
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	284 Months
Due	Nov 15, 2045

Tax Assessment & Valuation

The 2026 property tax bill for 130 Hilltop St was $389, 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	$389.00 (+0.52%)	$121,039 (-) Land $19,500 Building $101,539	$121,039 (-) Land $19,500 Building $101,539
2025	$387.00	$121,039 Land $19,500 Building $101,539	$121,039 Land $19,500 Building $101,539
2023	$765.00	$121,039 Land $19,500 Building $101,539	$121,039 Land $19,500 Building $101,539

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

Flood

FEMA maps place 130 Hilltop St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1993.

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 (1993–2024)
Claims Outside the SFHA	2 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

Wildfire risk around 130 Hilltop St is low, with a 0.02% 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	0.02% 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 123 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum.

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