203 Clearwater Dr, Morganton, NC 28655 Property Records

Burke County property record for 203 Clearwater Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,408 sqft · built 1997
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,068 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1794272901`

Property Details

APN / Parcel Number

Primary APN	`1794272901`
Alternative APN	`46610`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,408 sqft Living Area
1st Floor Area	1,204 sqft
Basement Area	1,204 sqft
Unfinished Basement	1,204 sqft
Flooring	Tile

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2005
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	312 sqft
Patio Area	326 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	203 CLEARWATER DR
City	MORGANTON
State	NC
Zip	28655-9673
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	WINDING CREEK SD
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2015
Census Tract	20202

Owner

203 Clearwater Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	203 CLEARWATER DR, MORGANTON, NC 28655-9673
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
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Mar 17, 2020	Deed of Trust, Mortgage · VA Mortgage QUICK LNS
Mar 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS FCU/NY

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	203 CLEARWATER DR, MORGANTON, NC 28655-9673
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026460685
Date	Sep 21, 2022
Book Page	2646/685
Instrument	2021025929

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

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	203 CLEARWATER DR, MORGANTON, NC 28655-9673
Document Number	0024550519
Instrument Date	Mar 17, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	203 CLEARWATER DR MORGANTON NC 286559673, MORGANTON, NC 28655-9673

Mortgage

Document Number	0024550519
Date	Mar 25, 2020
Book Page	002455/000519
Instrument	38554

Lender

Name	QUICK LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 24, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	203 CLEARWATER DR, MORGANTON, NC 28655-9673
Document Number	0023370298
Instrument Date	Mar 5, 2018
Transaction Type	Mortgage
Record Updated	Mar 20, 2018
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 CLEARWATER DR MORGANTON NC 286559673, MORGANTON, NC 28655-9673

Mortgage

Document Number	0023370298
Date	Mar 13, 2018
Book Page	002337/000298
Instrument	13790

Lender

Name	STATE EMPS FCU/NY
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 203 Clearwater Dr was $2,068, up 0.2% 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	$2,068.00 (+0.24%)	$354,265 (-) Land $27,000 Building $327,265	$354,265 (-) Land $27,000 Building $327,265
2025	$2,063.00	$354,265 Land $27,000 Building $327,265	$354,265 Land $27,000 Building $327,265
2023	$2,071.00	$354,265 Land $27,000 Building $327,265	$354,265 Land $27,000 Building $327,265

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

Flood

FEMA maps place 203 Clearwater Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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	5 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Apr 2003 · rainfall accumulation

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 203 Clearwater Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 144 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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