Burke County property record for 146 Clay St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,296 sqft · built 1964 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $886 (2026) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1784711942 |
| Primary APN | 1784711942 |
|---|---|
| Alternative APN |
|
| 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 | 1,296 sqft Living Area |
| 1st Floor Area | 1,296 sqft |
| Basement Area | 1,296 sqft |
| Unfinished Basement | 1,296 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Material | Asphalt |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 146 CLAY ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-9014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 146 CLAY ST MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20202 |
146 Clay St is owned and occupied by an individual who acquired it in March 2011.
Source: Burke County records, as of October 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 146 CLAY ST, MORGANTON, NC 28655-9014 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2011 |
| Deed Sale | Mar 16, 2011 |
| Deed Document Number | 20112405 |
| Deed Book / Page | 1953 / 263 |
| Prior Transfer Date | Mar 8, 2011 |
| Prior Transfer Doc | 0019530263 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 146 CLAY ST, MORGANTON, NC 28655-9014 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0025320134 |
|---|---|
| Date | Apr 8, 2021 |
| Book Page | 2532/134 |
| Instrument | 2021003953 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2026 property tax bill for 146 Clay St was $886, down 0.2% 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 | $886.00 (-0.23%) | $124,270 (-) Land $19,182 Building $105,088 | $124,270 (-) Land $19,182 Building $105,088 |
| 2025 | $888.00 | $124,270 Land $19,182 Building $105,088 | $124,270 Land $19,182 Building $105,088 |
| 2023 | $890.00 | $124,270 Land $19,182 Building $105,088 | $124,270 Land $19,182 Building $105,088 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 146 Clay 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 146 Clay St is low, with a 0.04% 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 | 0.04% 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 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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