Burke County property record for 162 Stephens Rd, Morganton, NC 28655 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,554 sqft · built 1965 |
| Lot Size | 1.3 acres (56,628 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $275,000 (Jan 2025) |
| Tax Bill | $1,012 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Jan 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1784708842 |
| Primary APN | 1784708842 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,554 sqft Living Area |
| 1st Floor Area | 1,554 sqft |
| Basement Area | 1,554 sqft |
| Unfinished Basement | 1,554 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Roof Material | Asphalt |
| Lot Area | 56,628 sqft (1.3 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Patio Area | 132 sqft |
| Canopy | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 162 STEPHENS RD |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-9012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 162 STEPHENS RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20202 |
Source: Burke County records · APN 1784708842
Assessment roll updated September 25, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 162 STEPHENS RD, MORGANTON, NC 28655-9012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED FCU |
| Jan 24, 2025 | Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jan 28, 2019 | Deed of Trust, Mortgage · VA Mortgage UNITED FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Prior Sale | Jan 29, 2019 · Amount on Record |
| Deed Document Number | 202524012263 |
| Deed Book / Page | 2786 / 616 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 162 STEPHENS RD, MORGANTON, NC 28655-9012 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0025170227 |
|---|---|
| Date | Feb 02, 2021 |
| Book Page | 2517/227 |
| Instrument | 2021001173 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jan 24, 2025 |
| Property Address | 162 STEPHENS RD, MORGANTON, NC 28655-9012 |
| Document Number | 0027860616 |
| Book / Page | 2786 / 616 |
| Instrument Date | Jan 07, 2025 |
| Instrument | 2024012263 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 162 STEPHENS RD, MORGANTON, NC 28655-9012 |
| Document Number | 2024012264 |
|---|---|
| Date | Jan 24, 2025 |
| Instrument | 2024012264 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.77% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Feb 01, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.77% |
| Max Rate At Change | 7.77% |
| Index | 5-Year CMT |
| Max Rate | 11.7% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 162 STEPHENS RD, MORGANTON, NC 28655-9012 |
| Document Number | 0023860301 |
| Instrument Date | Jan 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 11, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 162 STEPHENS RD MORGANTON NC 286559012, MORGANTON, NC 28655-9012 |
| Document Number | 0023860301 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 002386/000301 |
| Instrument | 24225 |
| Name | UNITED FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT JOSEPH, MI 49085 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 28, 2049 |
Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,012.00 (-0.39%) | $152,157 (+4.93%) Land $22,900 Building $129,257 | $152,157 (+4.93%) Land $22,900 Building $129,257 |
| 2023 | $1,016.00 | $145,011 Land $22,900 Building $122,111 | $145,011 Land $22,900 Building $122,111 |
Source: FEMA National Flood Hazard Layer, Burke County (37023C), updated June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230202021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 9 individual NFIP policies nearby |
| Nearby Flood Policies | 9 in force 3 of 9 on primary residences |
| Nearby Flood Claims | 12 (2004–2024) |
| Claims Outside the SFHA | 10 of 12 |
| Most Recent Claim | Sep 2024, Tropical Storm Helene |
| Flood Events |
|
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,703 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
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