2746 Cardinal Ln, Morganton, NC 28655 Property Records

Burke County property record for 2746 Cardinal Ln, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,753 sqft · built 2005
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Last Sale	$275,000 (Sep 2019)
Tax Bill	$3,248 (2026)
Deeds & Mortgages	Aug 2023 Second Mortgage May 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1776076815`

Property Details

APN / Parcel Number

Primary APN	`1776076815`
Alternative APN	`58016`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,753 sqft Living Area
1st Floor Area	1,699 sqft
Basement Area	645 sqft
Unfinished Basement	645 sqft
Flooring	Wood

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	598 sqft
Carport	Carport
Carport Area	598 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	648 sqft
Porch	Slab
Porch Area	189 sqft
Shed	1 Shed
Shed Area	200 sqft
Canopy	80 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	2746 CARDINAL LN
City	MORGANTON
State	NC
Zip	28655-6024
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	2746 CARDINAL LN MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	UPPER CREEK
Census Block Group	2
Census Block	2003
Census Tract	20204

Owner

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	2746 CARDINAL LN, MORGANTON, NC 28655-6024
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
May 3, 2021	Intrafamily Transfer, Transfer
Sep 5, 2019	Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jul 24, 2018	Warranty Deed, Transfer · Conventional Mortgage NORTH STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2019 · Amount on Record
Deed Sale	Sep 5, 2019 · Amount on Record
Prior Sale	Jul 24, 2018 · Amount on Record
Deed Document Number	20192017031850
Deed Book / Page	2422 / 623
Prior Transfer Date	Jul 26, 2012
Prior Transfer Doc	0020350120
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027030462
Date	Aug 31, 2023
Book Page	2703/462
Instrument	2023008087

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	May 3, 2021
Property Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024
Document Number	0025380018
Book / Page	2538 / 18
Map Reference	MB 34 PG 197
Instrument Date	Apr 27, 2021
Instrument	2021005059
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 5, 2019
Property Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024
Document Number	0024220623
Book / Page	2422 / 0623
Map Reference	MB 34 PG 197
Instrument Date	Sep 5, 2019
Instrument	2017031850
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	234 CAMELOT DR, 234, MORGANTON, NC 28655-9038

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024

Mortgage

Document Number	2017031851
Date	Sep 5, 2019
Instrument	2017031851

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 24, 2018
Property Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024
Document Number	0023580120
Book / Page	2358 / 0120
Map Reference	MB34 PG197
Instrument Date	Jul 23, 2018
Instrument	2017018204
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2746 CARDINAL LN, MORGANTON, NC 28655-6024

Mortgage

Document Number	2017018205
Date	Jul 24, 2018
Instrument	2017018205

Lender

Name	NORTH STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$3,248.00 (+22.06%)	$481,078 (+18.88%) Land $16,933 Building $464,145	$481,078 (+18.88%) Land $16,933 Building $464,145
2025	$2,661.00 (-0.6%)	$404,668 (-) Land $16,933 Building $387,735	$404,668 (-) Land $16,933 Building $387,735
2023	$2,677.00	$404,668 Land $16,933 Building $387,735	$404,668 Land $16,933 Building $387,735

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

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	0.08% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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