Burke County property record for 2095 Lail Rd, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,176 sqft · built 1958 |
| Lot Size | 2.12 acres (92,347 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,000 (Jun 2009) |
| Tax Bill | $1,237 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2023 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1773375715 |
| Primary APN | 1773375715 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,176 sqft Living Area |
| 1st Floor Area | 1,176 sqft |
| Basement Area | 964 sqft |
| Unfinished Basement | 964 sqft |
| Flooring | Wood |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Asbestos |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 92,347 sqft (2.12 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 448 sqft |
| Shed | 1 Shed |
| Shed Area | 255 sqft |
| Canopy | 280 sqft |
| Lean-To | 90 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2095 LAIL RD |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-9207 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MEDIUM DEN |
| Legal Description | 2095 LAIL RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | SILVER CREEK |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 20301 |
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 | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2021 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 16, 2023 | Deed of Trust, Mortgage · FmHA Mortgage STATE EMPLOYEES CU |
| Dec 27, 2024 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Oct 1, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 3, 2009 · Amount on Record |
| Deed Sale | Jun 3, 2009 · Amount on Record |
| Deed Document Number | 20095431 |
| Deed Book / Page | 1842 / 438 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0025720754 |
|---|---|
| Date | Sep 24, 2021 |
| Book Page | 2572/754 |
| Instrument | 2021011480 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Document Number | 0027110018 |
|---|---|
| Date | Oct 16, 2023 |
| Book Page | 2711/18 |
| Instrument | 2023009560 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | FmHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Nov 1, 2028 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.37% |
| Max Rate At Change | 8.37% |
| Index | 5-Year CMT |
| Max Rate | 12.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Document Number | 0027820744 |
|---|---|
| Date | Dec 27, 2024 |
| Book Page | 2782/744 |
| Instrument | 2024011472 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.45% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.45% |
| Max Rate At Change | 7.45% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 11.4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023680940 |
|---|---|
| Date | Oct 1, 2018 |
| Book Page | 2368/0940 |
| Instrument | 2017020514 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | MORGANTON, NC 28655 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2095 LAIL RD, MORGANTON, NC 28655-9207 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ACCURATE TITLE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 0024610908 |
|---|---|
| Date | Apr 30, 2020 |
| Book Page | 2461/908 |
| Instrument | 2017039674 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2050 |
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Municipality | Glen Alpine Town |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,237.00 (+0.41%) | $139,899 (-) Land $34,948 Building $104,951 | $139,899 (-) Land $34,948 Building $104,951 |
| 2025 | $1,232.00 (-3.52%) | $139,899 (-) Land $34,948 Building $104,951 | $139,899 (-) Land $34,948 Building $104,951 |
| 2023 | $1,277.00 | $139,899 Land $34,948 Building $104,951 | $139,899 Land $34,948 Building $104,951 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 4 in force |
| Nearby Flood Claims | 1 (2004) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Sep 2004 · Tropical Storm Frances |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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