2576 Henderson Mill Rd, Morganton, NC 28655 Property Records

Burke County property record for 2576 Henderson Mill Rd, Morganton, NC 28655

Property Summary

Property Type	Manufactured or Modular Home
Details	2 bd · 2 ba · 932 sqft · built 2024
Lot Size	1.35 acres (58,806 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2025)
Tax Bill	$711 (2026)
Deeds & Mortgages	Sep 2024 Mortgage Sep 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1786323057`

Property Details

APN / Parcel Number

Primary APN	`1786323057`
Alternative APN	`7029`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	932 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Architectural Style	Modular
Exterior Material	Aluminum/Vinyl
Roof Type	Flat
Roof Material	Asphalt
Lot Area	58,806 sqft (1.35 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	2576 HENDERSON MILL RD
City	MORGANTON
State	NC
Zip	28655-9772
Property Category	Residential
Property Type	Residential > Prefabricated > Manufactured or Modular Home
Local Zoning Code	RURAL MIXE
Legal Description	2576 HENDERSON MILL RD MORGANTON, NC 28655
Legal Subdivision	MAURICE W GRAGG & JANE R GRAGG
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2011
Census Tract	20204

Owner

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	Individual Name on Record
Mailing Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Deed of Trust, Mortgage GIG HOUSING LLC
Sep 24, 2024	Deed of Trust, Mortgage GIG HOUSING LLC
Apr 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage LOWER LLC
Jun 6, 2024	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Jun 6, 2024 · Amount on Record
Deed Document Number	202525010666
Deed Book / Page	2845 / 90
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027670488
Date	Sep 24, 2024
Book Page	2767/488
Instrument	2024008580

Lender

Name	GIG HOUSING LLC
Type	Non-Lending Institution
Address	MORGANTON, NC 28655

Agreement

Amount	Amount Recorded

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027670484
Date	Sep 24, 2024
Book Page	2767/484
Instrument	2024008579

Lender

Name	GIG HOUSING LLC
Type	Non-Lending Institution
Address	MORGANTON, NC 28655

Agreement

Amount	Amount Recorded

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Transaction Type	Mortgage
Record Updated	Dec 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028010468
Date	Apr 25, 2025
Book Page	2801/468
Instrument	2025002574

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Dec 15, 2025
Property Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Document Number	0028450090
Book / Page	2845 / 90
Instrument Date	Dec 15, 2025
Instrument	2025010666
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 7573, WILMINGTON, NC 28406-7573

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772

Mortgage

Document Number	2025010667
Date	Dec 15, 2025
Instrument	2025010667

Lender

Name	LOWER LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

June 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 6, 2024
Property Address	2576 HENDERSON MILL RD, MORGANTON, NC 28655-9772
Document Number	0027470858
Book / Page	2747 / 858
Map Reference	MB 1951 PG 14
Instrument Date	Jun 5, 2024
Instrument	2024004908
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Tax	$70.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 7573, WILMINGTON, NC 28406-7573

Tax Assessment & Valuation

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	$711.00 (+60.14%)	$96,735 (+74.04%) Land $15,094 Building $81,641	$96,735 (+74.04%) Land $15,094 Building $81,641
2025	$444.00 (+362.5%)	$55,581 (+268.23%) Land $15,094 Building $40,487	$55,581 (+268.23%) Land $15,094 Building $40,487
2023	$96.00	$15,094 Land $15,094	$15,094 Land $15,094

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

Flood

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

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

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	0.06% 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 36 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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