285 Cedar Hills Dr, Morganton, NC 28655 Property Records

Burke County property record for 285 Cedar Hills Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,760 sqft · built 1960
Lot Size	3.13 acres (136,343 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,367 (2026)
Deeds & Mortgages	Feb 2018 Mortgage Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1792095836`

Property Details

APN / Parcel Number

Primary APN	`1792095836`
Alternative APN	`35342`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,760 sqft Living Area
1st Floor Area	1,380 sqft
Basement Area	1,380 sqft
Finished Basement	1,380 sqft
Flooring	Wood

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1980
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	136,343 sqft (3.13 acres)
Garage Type	Attached

Exterior Amenities

Porch	Slab
Porch Area	98 sqft
Patio Area	728 sqft
Shed	1 Shed
Shed Area	280 sqft
Canopy	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	285 CEDAR HILLS DR
City	MORGANTON
State	NC
Zip	28655-8035
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	285 CEDAR HILLS DR MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3039
Census Tract	21400

Owner

285 Cedar Hills Dr is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	285 CEDAR HILLS DR, MORGANTON, NC 28655-8035
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Feb 9, 2018	Reverse Mortgage, Mortgage · FHA Mortgage AMERICAN ADVISORS
Feb 3, 2018	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HUD

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

February 2018: Reverse Mortgage, Mortgage

Document Type	Reverse Mortgage
Jurisdiction	BURKE NC
Recording Date	Feb 9, 2018
Property Address	285 CEDAR HILLS DR, MORGANTON, NC 28655-8035
Document Number	0023320837
Book / Page	002332 / 000837
Instrument Date	Feb 3, 2018
Instrument	12803
Transaction Type	Mortgage
Record Updated	Dec 12, 2018
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 CEDAR HILLS DR MORGANTON NC 286558035, MORGANTON, NC 28655-8035

Mortgage

Document Number	23320837
Date	Feb 9, 2018
Book Page	002332/000837
Instrument	12803

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	996 Months

Interest

Rate Type	Adjustable Rate
Rate	5%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	285 CEDAR HILLS DR, MORGANTON, NC 28655-8035
Document Number	0023320852
Instrument Date	Feb 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	285 CEDAR HILLS DR MORGANTON NC 286558035, MORGANTON, NC 28655-8035

Mortgage

Document Number	0023320852
Date	Feb 9, 2018
Book Page	002332/000852
Instrument	12804

Lender

Name	COMMISSIONER/HUD
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	996 Months

Interest

Rate Type	Adjustable Rate
Rate	2%

Tax Assessment & Valuation

The 2026 property tax bill for 285 Cedar Hills Dr was $1,367, down 0.1% 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	$1,367.00 (-0.15%)	$200,076 (-) Land $38,236 Building $161,840	$200,076 (-) Land $38,236 Building $161,840
2025	$1,369.00	$200,076 Land $38,236 Building $161,840	$200,076 Land $38,236 Building $161,840
2023	$1,158.00	$166,201 Land $38,236 Building $127,965	$166,201 Land $38,236 Building $127,965

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

Flood

FEMA maps place 285 Cedar Hills Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 claims

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 285 Cedar Hills Dr is low, with a 0.04% annual chance of wildfire.

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	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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: T-Mobile, Verizon.

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