2243 Cottage Park Rd, Morganton, NC 28655 Property Records

Burke County property record for 2243 Cottage Park Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,525 sqft · built 2013
Lot Size	2.53 acres (110,207 sqft)
Owner	2 Individual Names on File
Last Sale	$1,073,000 (Apr 2026)
Tax Bill	$6,604 (2025)
Deeds & Mortgages	Oct 2024 Line of Credit Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1763078833`

Property Details

APN / Parcel Number

Primary APN	`1763078833`
Alternative APN	`59342`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	4,525 sqft Living Area
1st Floor Area	1,936 sqft
Basement Area	240 sqft
Finished Basement	240 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	110,207 sqft (2.53 acres)
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	512 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2243 COTTAGE PARK RD
City	MORGANTON
State	NC
Zip	28655-0155
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	2243 COTTAGE PARK RD MORGANTON, NC 28655
Legal Subdivision	COTTAGE PARK AT LAKE JAMES
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2023
Census Tract	20203

Owner

Source: Burke County records · APN 1763078833

Assessment roll updated September 25, 2025 · Last verified June 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 File
Mailing Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Oct 09, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Apr 10, 2026	Warranty Deed, Transfer · Conventional Mortgage NEXERA HOLDING LLC
Apr 19, 2024	Warranty Deed, Transfer
Mar 16, 2022	Warranty Deed, Transfer
Sep 27, 2018	Warranty Deed, Transfer · Line of Credit MORGANTON SVGS BK SSB

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 10, 2026 · Amount on Record
Deed Sale	Apr 10, 2026 · Amount on Record
Prior Sale	Apr 19, 2024 · Amount on Record
Deed Document Number	202626003160
Deed Book / Page	2865 / 704
Record Updated	Sep 20, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Transaction Type	Mortgage
Record Updated	Apr 22, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155

Mortgage

Document Number	0027690434
Date	Oct 09, 2024
Book Page	2769/434
Instrument	2024008967

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 10, 2026
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Document Number	0026003160
Book / Page	2865 / 704
Instrument Date	Apr 09, 2026
Instrument	202626003160
Transaction Type	Transfer
Record Updated	Apr 21, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RECO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$216,746.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155

Mortgage

Document Number	0000003161,
Date	Apr 10, 2026
Instrument	20263161

Lender

Name	NEXERA HOLDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 10, 2026
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Document Number	0028650704
Book / Page	2865 / 704
Instrument Date	Apr 09, 2026
Instrument	2026.26003160
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$216,746.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155

Mortgage

Document Number	0026003160,
Date	Apr 10, 2026
Book Page	2865/707
Instrument	2026.26003160

Lender

Name	NEXERA HOLDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 19, 2024
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Document Number	0027390832
Book / Page	2739 / 832
Map Reference	MB 29 PG 283
Instrument Date	Apr 08, 2024
Instrument	2024003298
Transaction Type	Transfer
Record Updated	Apr 26, 2024

Transaction

Amount	Amount Recorded
Tax	$2,300.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 16, 2022
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Document Number	0026100101
Book / Page	2610 / 101
Map Reference	MB 29 PG 283
Instrument Date	Mar 16, 2022
Instrument	2022018681
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Tax	$1,550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2243 COTTAGE PARK RD, 2243, MORGANTON, NC 28655-0155

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2511 NE 15TH ST, POMPANO BEACH, FL 33062-8200

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 27, 2018
Property Address	2243 COTTAGE PARK RD, MORGANTON, NC 28655-0155
Document Number	0023680549
Book / Page	002368 / 000549
Instrument Date	Sep 27, 2018
Instrument	20406
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2243 COTTAGE PARK RD MORGANTON NC 286550155, MORGANTON, NC 28655-0155

Mortgage

Document Number	23680552
Date	Sep 27, 2018
Book Page	002368/000552
Instrument	20407

Lender

Name	MORGANTON SVGS BK SSB
Address	MORGANTON, NC 28680-1509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 26, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified June 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,604.00 (+27.17%)	$803,788 (+3.91%) Land $42,485 Building $761,303	$803,788 (+3.91%) Land $42,485 Building $761,303
2023	$5,193.00	$773,569 Land $42,485 Building $731,084	$773,569 Land $42,485 Building $731,084

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 28, 2017 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Starlink Satellite	280 / 30

Based on FCC filings for 16 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

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