203 Tate St, Morganton, NC 28655 Property Records

Burke County property record for 203 Tate St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,680 sqft · built 1972
Lot Size	1.25 acres (54,450 sqft)
Owner	Company Name on Record
Last Sale	$310,000 (Nov 2022)
Tax Bill	$1,747 (2025)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2704212396`

Property Details

APN / Parcel Number

Primary APN	`2704212396`
Alternative APN	`1785`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	2,142 sqft
1st Floor Area	1,680 sqft
Flooring	Vinyl/Resilient
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	54,450 sqft (1.25 acres)
Terrain	Rolling
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	382 sqft
Shed	1 Shed
Shed Area	96 sqft
Lean-To	100 sqft
Pole Barn	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	2704212396
Street Address	203 TATE ST
City	MORGANTON
State	NC
Zip	28655-2540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INTENSITY DIST
Legal Description	203 TATE ST MORGANTON, NC 28655
Legal Subdivision	BURKE COUNTY
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1003
Census Tract	20500

Owner

Source: Burke County records, as of September 24, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	203 TATE ST, MORGANTON, NC 28655-2540
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 21, 2022	Warranty Deed, Transfer · SBA Mortgage STATE EMPLOYEES CU
Mar 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Apr 10, 2017	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2022 · Amount on Record
Deed Sale	Nov 21, 2022 · Amount on Record
Prior Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	0002657391
Deed Book / Page	2657 / 391
Record Updated	Jun 8, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 21, 2022
Property Address	203 TATE ST, MORGANTON, NC 28655-2540
Document Number	0026570391
Book / Page	2657 / 391
Map Reference	MB 37 PG 89
Instrument Date	Nov 18, 2022
Instrument	2021028059
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4137 TAMRA LN, 4137, WINSTON SALEM, NC 27101-2146

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Irrevocable Living Trust
Address	203 TATE ST, MORGANTON, NC 28655-2540

Mortgage

Document Number	2021028060
Date	Nov 21, 2022
Instrument	2021028060

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.15%
Adjustable	Adjustable Rate Rider
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.1%
Index	5-Year CMT
Max Rate	11.1%

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	203 TATE ST, MORGANTON, NC 28655-2540
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024550114
Date	Mar 20, 2020
Book Page	2455/114
Instrument	2017038461

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 10, 2017
Property Address	203 TATE ST, MORGANTON, NC 28655-2540
Document Number	0022870239
Book / Page	002287 / 000239
Instrument Date	Apr 10, 2017
Instrument	3201
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$318.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 TATE ST MORGANTON NC 286552540, MORGANTON, NC 28655-2540

Mortgage

Document Number	22870240
Date	Apr 10, 2017
Book Page	002287/000240
Instrument	3202

Lender

Name	ATLANTIC BAY MTG
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

Tax Assessment & Valuation

Source: Burke County assessment roll, as of January 1, 2025

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
2025	$1,747.00 (-0.34%)	$297,346 (-) Land $36,081 Building $261,265	$297,346 (-) Land $36,081 Building $261,265
2023	$1,753.00	$297,346 Land $36,081 Building $261,265	$297,346 Land $36,081 Building $261,265

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	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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	0.01% 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 190 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum, T-Mobile.

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