Burke County property record for 2096 Lail Rd, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,494 sqft · built 1963 |
| Lot Size | 4.66 acres (202,990 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,828 (2026) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1773386421 |
| Primary APN | 1773386421 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,494 sqft Living Area |
| 1st Floor Area | 2,207 sqft |
| Basement Area | 1,674 sqft |
| Unfinished Basement | 1,674 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 202,990 sqft (4.66 acres) |
| Garage Type | Attached |
| Garage Area | 392 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Patio |
|---|---|
| Porch Area | 435 sqft |
| Deck Area | 71 sqft |
| Patio Area | 56 sqft |
| Shed | 1 Shed |
| Shed Area | 280 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 2096 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 | 2096 LAIL RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | SILVER CREEK |
| Census Block Group | 4 |
| Census Block | 4002 |
| 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 | 2096 LAIL RD, MORGANTON, NC 28655-9207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Apr 15, 2021 |
| Transfer Doc | 0000004490 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Apr 29, 2021 |
| Property Address | 2096 LAIL RD, MORGANTON, NC 28655-9207 |
| Document Number | 0025370340 |
| Book / Page | 2537 / 340 |
| Instrument Date | Apr 21, 2021 |
| Instrument | 2021004935 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $850.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2096 LAIL RD, MORGANTON, NC 28655-9207 |
| Document Number | 2021004936 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021004936 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | May 1, 2026 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 5.25% |
| Index | 5-Year CMT |
| Margin | 2 |
| Max Rate | 9.25% |
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 | $2,828.00 (+0.18%) | $335,153 (-) Land $50,968 Building $284,185 | $335,153 (-) Land $50,968 Building $284,185 |
| 2025 | $2,823.00 (-3.85%) | $335,153 (-) Land $50,968 Building $284,185 | $335,153 (-) Land $50,968 Building $284,185 |
| 2023 | $2,936.00 | $335,153 Land $50,968 Building $284,185 | $335,153 Land $50,968 Building $284,185 |
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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