145 Clay St, Morganton, NC 28655 Property Records

Burke County property record for 145 Clay St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,150 sqft · built 1963
Lot Size	1.88 acres (81,893 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Oct 2020)
Tax Bill	$1,354 (2026)
Deeds & Mortgages	Oct 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1784714894`

Property Details

APN / Parcel Number

Primary APN	`1784714894`
Alternative APN	`15047`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,150 sqft Living Area
1st Floor Area	1,066 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft
Utility Room	Utility Room

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2015
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	81,893 sqft (1.88 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	270 sqft
Deck Area	25 sqft
Patio Area	312 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	145 CLAY ST
City	MORGANTON
State	NC
Zip	28655-9015
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	145 CLAY ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	1
Census Block	1007
Census Tract	20202

Owner

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	2 Individual Names on File
Mailing Address	145 CLAY ST, MORGANTON, NC 28655-9015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2020 · Amount on File
Deed Sale	Oct 13, 2020 · Amount on File
Prior Sale	Jun 13, 2016 · Amount on File
Deed Document Number	202017045721
Deed Book / Page	2494 / 231
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 13, 2020
Property Address	145 CLAY ST, MORGANTON, NC 28655-9015
Document Number	0024940231
Book / Page	2494 / 231
Instrument Date	Oct 13, 2020
Instrument	2017045721
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1507 PIEDMONT RD, 1507, MORGANTON, NC 28655-6809

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	145 CLAY ST, MORGANTON, NC 28655-9015

Mortgage

Document Number	2017045722
Date	Oct 13, 2020
Instrument	2017045722

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	5.37%
Index	5-Year CMT
Max Rate	9.37%

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,354.00 (+0.37%)	$198,074 (-) Land $23,718 Building $174,356	$198,074 (-) Land $23,718 Building $174,356
2025	$1,349.00 (-0.44%)	$198,074 (-) Land $23,718 Building $174,356	$198,074 (-) Land $23,718 Building $174,356
2023	$1,355.00	$198,074 Land $23,718 Building $174,356	$198,074 Land $23,718 Building $174,356

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

Flood

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	Tropical Storm Helene, Sep 2024 · 10 claims Tropical Storm Frances, Sep 2004 · 2 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

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	0.04% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000