2290 NC 181, Morganton, NC 28655 Property Records

Burke County property record for 2290 NC 181, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,222 sqft · built 1956
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Last Sale	$250,000 (Feb 2026)
Tax Bill	$924 (2026)
Deeds & Mortgages	Feb 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1784384803`

Property Details

APN / Parcel Number

Primary APN	`1784384803`
Alternative APN	`19978`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,222 sqft Living Area
1st Floor Area	1,222 sqft
Basement Area	1,222 sqft
Unfinished Basement	1,222 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2290 NC 181
City	MORGANTON
State	NC
Zip	28655-6713
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	2290 NC 181 MORGANTON, NC 28655
Legal Subdivision	ADDLE GALLOWAY
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2010
Census Tract	20202

Owner

2290 NC 181 is owned and occupied by two individuals who bought it in February 2026.

Source: Burke County records, as of October 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2290 NC 181, MORGANTON, NC 28655-6713
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2026 · Amount on File
Deed Sale	Feb 18, 2026 · Amount on File
Deed Document Number	202626001318
Deed Book / Page	2855 / 94
Prior Transfer Date	Mar 29, 2011
Prior Transfer Doc	0019550425
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 18, 2026
Property Address	2290 NC 181, MORGANTON, NC 28655-6713
Document Number	0028550094
Book / Page	2855 / 94
Instrument Date	Feb 11, 2026
Instrument	2026001318
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2290 NC 181, MORGANTON, NC 28655-6713

Mortgage

Document Number	2026001319
Date	Feb 18, 2026
Instrument	2026001319

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.65%
Max Rate At Change	7.65%
Index	5-Year CMT
Max Rate	11.6%

Tax Assessment & Valuation

The 2026 property tax bill for 2290 NC 181 was $924, up 0.5% from the year before.

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	$924.00 (+0.54%)	$130,284 (-) Land $34,975 Building $95,309	$130,284 (-) Land $34,975 Building $95,309
2025	$919.00	$130,284 Land $34,975 Building $95,309	$130,284 Land $34,975 Building $95,309
2023	$789.00	$109,626 Land $34,975 Building $74,651	$109,626 Land $34,975 Building $74,651

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2290 NC 181 in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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

Wildfire risk around 2290 NC 181 is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

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