2086 NC 181, Morganton, NC 28655 Property Records

Burke County property record for 2086 NC 181, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,525 sqft · built 1948
Lot Size	2.54 acres (110,642 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,282 (2026)
Deeds & Mortgages	Apr 2025 Mortgage Feb 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1784474289`

Property Details

APN / Parcel Number

Primary APN	`1784474289`
Alternative APNs	`1784473319` `20456`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,525 sqft Living Area
1st Floor Area	1,220 sqft
Basement Area	1,218 sqft
Unfinished Basement	1,218 sqft
Flooring	Wood

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Asbestos
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	110,642 sqft (2.54 acres)
Garage Type	Carport
Carport	Carport
Porch	Slab
Porch Area	84 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2086 NC 181
City	MORGANTON
State	NC
Zip	28655-6711
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LO1
Legal Subdivision	JANET D HARBISON PROPERTY
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2010
Census Tract	20202

Owner

Source: Burke County records, as of October 12, 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 Record
Mailing Address	2086 NC 181, MORGANTON, NC 28655-6711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2025	Warranty Deed, Transfer · FHA Mortgage GLOBAL EQUITY FINANCE INC
Feb 1, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Aug 21, 2019	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Mar 26, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Dec 21, 2018	Warranty Deed, Transfer · FHA Mortgage OCEANSIDE MORTGAGE CO
Aug 7, 2018	Warranty Deed, Transfer STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 8, 2025
Deed Sale	Apr 8, 2025
Prior Sale	Dec 21, 2018 · Amount on Record
Deed Document Number	20251950
Deed Book / Page	2798 / 316
Prior Transfer Date	Apr 1, 2025
Prior Transfer Doc	0027980316
Record Updated	Oct 29, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 8, 2025
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Document Number	0027980316
Book / Page	2798 / 316
Map Reference	MB 48 PG 90
Instrument Date	Apr 1, 2025
Instrument	2025001950
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2086 NC 181, MORGANTON, NC 28655-6711

Mortgage

Document Number	2025001951
Date	Apr 8, 2025
Instrument	2025001951

Lender

Name	GLOBAL EQUITY FINANCE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025170107
Date	Feb 1, 2021
Book Page	2517/107
Instrument	2021001152

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORCHARD STREET SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024190836
Date	Aug 21, 2019
Book Page	2419/0836
Instrument	2017031301

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ORCHARD STREET SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024550898
Date	Mar 26, 2020
Book Page	2455/898
Instrument	2017038624

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

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

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Dec 21, 2018
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Document Number	0023810562
Book / Page	2381 / 0562
Map Reference	MB 48 PG 90
Instrument Date	Dec 20, 2018
Instrument	2017023199
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$290.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	500 LENOIR RD APT 429, 500, MORGANTON, NC 28655-2670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2086 NC 181, MORGANTON, NC 28655-6711

Mortgage

Document Number	2017023200
Date	Dec 21, 2018
Instrument	2017023200

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 7, 2018
Property Address	2086 NC 181, MORGANTON, NC 28655-6711
Document Number	0023600612
Book / Page	002360 / 000612
Instrument Date	Aug 3, 2018
Instrument	18733
Transaction Type	Transfer
Record Updated	Aug 31, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$166.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2084 NC 181 MORGANTON NC 286556711, MORGANTON, NC 28655-6711

Mortgage

Document Number	23600615
Date	Aug 7, 2018
Book Page	002360/000615
Instrument	18734

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%

Tax Assessment & Valuation

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	$1,282.00 (+8.19%)	$186,728 (-) Land $28,796 Building $157,932	$186,728 (-) Land $28,796 Building $157,932
2025	$1,185.00 (-13.57%)	$186,728 (-) Land $28,796 Building $157,932	$186,728 (-) Land $28,796 Building $157,932
2023	$1,371.00	$186,728 Land $28,796 Building $157,932	$186,728 Land $28,796 Building $157,932

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	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

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

Wildfire Risk	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% 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 32 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Nearby Properties on NC 181

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures