1509 Watermill Rd, Morganton, NC 28655 Property Records

Burke County property record for 1509 Watermill Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1973
Lot Size	0.43 acres (18,731 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (Jul 2023)
Tax Bill	$1,091 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1784052184`

Property Details

APN / Parcel Number

Primary APN	`1784052184`
Alternative APN	`29793`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Unfinished Basement	1,040 sqft
Flooring	Wood

Exterior

Year Built	Built 1973
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	18,731 sqft (0.43 acres)
Porch	Slab
Deck Area	144 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	1509 WATERMILL RD
City	MORGANTON
State	NC
Zip	28655-8236
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LO5
Legal Subdivision	WILSON WISE
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	1
Census Block	1007
Census Tract	20202

Owner

1509 Watermill Rd is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1509 WATERMILL RD, MORGANTON, NC 28655-8236
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
Jul 12, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 29, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 12, 2023 · Amount on File
Deed Sale	Jul 12, 2023 · Amount on File
Prior Sale	Jun 19, 2018 · Amount on File
Deed Document Number	202323006328
Deed Book / Page	2694 / 718
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 12, 2023
Property Address	1509 WATERMILL RD, MORGANTON, NC 28655-8236
Document Number	0026940718
Book / Page	2694 / 718
Map Reference	MB 2352 PG 953
Instrument Date	Jul 11, 2023
Instrument	2023006328
Transaction Type	Transfer
Record Updated	Jul 28, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$378.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	204 CONLEY RD, MORGANTON, NC 28655-9264

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1509 WATERMILL RD, MORGANTON, NC 28655-8236

Mortgage

Document Number	2023006329
Date	Jul 12, 2023
Instrument	2023006329

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1509 WATERMILL RD, MORGANTON, NC 28655-8236
Transaction Type	Mortgage
Record Updated	Jul 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026310688
Date	Jun 29, 2022
Book Page	2631/688
Instrument	2021022843

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 1509 Watermill Rd was $1,091, 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
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,091.00 (+0.46%)	$156,650 (-) Land $13,438 Building $143,212	$156,650 (-) Land $13,438 Building $143,212
2025	$1,086.00	$156,650 Land $13,438 Building $143,212	$156,650 Land $13,438 Building $143,212
2023	$864.00 (+28.76%)	$121,289 (+61.62%) Land $13,438 Building $107,851	$121,289 (+61.62%) Land $13,438 Building $107,851
2022	$671.00	$75,048 Land $9,030 Building $66,018	$75,048 Land $9,030 Building $66,018

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1509 Watermill Rd 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	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

Wildfire risk around 1509 Watermill Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 22 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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