Burke County property record for 2146 Derby Ct, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,592 sqft · built 2020 |
| Lot Size | 0.51 acres (22,216 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Jul 2025) |
| Tax Bill | $1,995 (2026) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage Dec 2019 Construction Loan + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1781983604 |
| Primary APN | 1781983604 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,592 sqft Living Area |
| Flooring | Wood |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Material | Asphalt |
| Lot Area | 22,216 sqft (0.51 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Deck Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 220 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2146 DERBY CT |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-5219 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 2146 DERBY CT MORGANTON, NC 28655 |
| Legal Subdivision | BELMONT SUBDIVISION |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 1 |
| Census Block | 1031 |
| Census Tract | 20303 |
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jan 28, 2022 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 23, 2019 | Deed of Trust, Mortgage · Construction Mortgage CAROLINA TRUST BANK |
| Mar 16, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Dec 9, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 11, 2025 · Amount on Record |
| Deed Sale | Jul 11, 2025 · Amount on Record |
| Prior Sale | Jan 28, 2022 · Amount on Record |
| Deed Document Number | 20255145 |
| Deed Book / Page | 2815 / 20 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jan 28, 2022 |
| Property Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Document Number | 0026000512 |
| Book / Page | 2600 / 512 |
| Map Reference | MB 31 PG 143 |
| Instrument Date | Jan 28, 2022 |
| Instrument | 2021016756 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $580.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2146 SARATOGA RUN, 2146, MORGANTON, NC 28655 |
| Name | Verified Name |
|---|---|
| Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Document Number | 2021016757 |
|---|---|
| Date | Jan 28, 2022 |
| Instrument | 2021016757 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024400865 |
|---|---|
| Date | Dec 23, 2019 |
| Book Page | 2440/0865 |
| Instrument | 2019035502 |
| Name | CAROLINA TRUST BANK |
|---|---|
| Type | Bank |
| Address | LINCOLNTON, NC 28093 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Mar 16, 2020 |
| Property Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Document Number | 0024540159 |
| Book / Page | 2454 / 159 |
| Map Reference | MB 31 PG 143 |
| Instrument Date | Mar 12, 2020 |
| Instrument | 2017038226 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 28, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $446.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2146 SARATOGA RUN, MORGANTON, NC 28655 |
| Document Number | 2017038227 |
|---|---|
| Date | Mar 16, 2020 |
| Instrument | 2017038227 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Dec 9, 2019 |
| Property Address | 2146 DERBY CT, MORGANTON, NC 28655-5219 |
| Document Number | 0024380146 |
| Book / Page | 002438 / 000146 |
| Instrument Date | Dec 2, 2019 |
| Instrument | 34997 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $20.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | PO BOX 1726 MORGANTON NC 286801726, MORGANTON, NC 28680-1726 |
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,995.00 (+3.42%) | $289,828 (-) Land $25,076 Building $264,752 | $289,828 (-) Land $25,076 Building $264,752 |
| 2025 | $1,929.00 (+3.71%) | $289,828 (+3.29%) Land $25,076 Building $264,752 | $289,828 (+3.29%) Land $25,076 Building $264,752 |
| 2023 | $1,860.00 | $280,584 Land $25,076 Building $255,508 | $280,584 Land $25,076 Building $255,508 |
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 | 1 in force |
| Nearby Flood Claims | 1 (2024) |
| 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.
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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BRENTWOOD-JAMESTOWN ROAD private · serves 6,035 people · EPA ID NC0112104 |
|---|---|
| Water Source | Purchased surface water from CITY OF MORGANTON |
| Last State Inspection | Nov 2025 |
| Also Mapped Here | BRENTWOOD WATER ASSOCIATION |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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