204 Independence Trl, Morganton, NC 28655 Property Records

Burke County property record for 204 Independence Trl, Morganton, NC 28655

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,435 sqft · built 1986
Lot Size	14.8 acres (646,430 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,373 (2026)
Deeds & Mortgages	Aug 2017 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2704653502`

Property Details

APN / Parcel Number

Primary APN	`2704653502`
Alternative APN	`42603`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,435 sqft Living Area
1st Floor Area	944 sqft
Utility Room	Utility Room
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 2000
Architectural Style	Condo/Apartment
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	646,430 sqft (14.8 acres)
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	1,750 sqft
Porch	Slab
Porch Area	12 sqft
Deck Area	209 sqft
Patio Area	209 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	204 INDEPENDENCE TRL
City	MORGANTON
State	NC
Zip	28655-5716
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	LOW INTENS
Legal Description	204 INDEPENDENCE TRL MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	4
Census Block	4003
Census Tract	20600

Owner

204 Independence Trl, a condominium, 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	204 INDEPENDENCE TRL, MORGANTON, NC 28655-5716
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
Aug 18, 2017	Deed of Trust, Mortgage · VA Mortgage CONTOUR MORTGAGE CORP
Apr 30, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

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

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	204 INDEPENDENCE TRL, MORGANTON, NC 28655-5716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023070174
Date	Aug 18, 2017
Book Page	2307/0174
Instrument	2017007409

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company
Address	GARDEN CITY, NY 11530

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2047

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	204 INDEPENDENCE TRL, MORGANTON, NC 28655-5716
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023450215
Date	Apr 30, 2018
Book Page	2345/0215
Instrument	2017015418

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Type Change Date	Jul 1, 2021
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	3.62%

Tax Assessment & Valuation

The 2026 property tax bill for 204 Independence Trl was $1,373, up 0.4% 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	$1,373.00 (+0.37%)	$229,103 (-) Land $34,800 Building $194,303	$229,103 (-) Land $34,800 Building $194,303
2025	$1,368.00	$229,103 Land $34,800 Building $194,303	$229,103 Land $34,800 Building $194,303
2023	$1,370.00	$229,103 Land $34,800 Building $194,303	$229,103 Land $34,800 Building $194,303

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

Flood

FEMA maps place 204 Independence Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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 Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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 204 Independence Trl 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	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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable · Fiber in parts of the area	1,000 / 50
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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