2963 Flat Gap Rd, Valdese, NC 28690 Property Records

Burke County property record for 2963 Flat Gap Rd, Valdese, NC 28690

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1966
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on File
Tax Bill	$1,381 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2025 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2732784672`

Property Details

APN / Parcel Number

Primary APN	`2732784672`
Alternative APN	`14868`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,600 sqft
1st Floor Area	1,300 sqft
Basement Area	1,300 sqft
Unfinished Basement	1,300 sqft
Flooring	Vinyl/Resilient

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	360 sqft
Patio Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	2732784672
Street Address	2963 FLAT GAP RD
City	VALDESE
State	NC
Zip	28690-8768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIAL THREE DIST
Legal Description	2963 FLAT GAP RD VALDESE, NC 28690
Legal Subdivision	IRON PIPE
Jurisdiction	BURKE NC
Township / Civil Division	LOVELADY
Census Block Group	3
Census Block	3014
Census Tract	21201

Owner

Source: Burke County records · APN 2732784672

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2981 FLAT GAP RD, VALDESE, NC 28690-8768
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 02, 2026	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 07, 2025	Warranty Deed, Transfer
May 09, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MTG
Aug 25, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 07, 2025
Deed Sale	Oct 07, 2025
Deed Document Number	2025008177
Deed Book / Page	2831 / 681
Record Updated	Jun 08, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768
Transaction Type	Mortgage
Record Updated	Jan 09, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768

Mortgage

Document Number	0028480218
Date	Jan 02, 2026
Book Page	2848/218
Instrument	2026000007

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	Feb 01, 2056

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 07, 2025
Property Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768
Document Number	0028310681
Book / Page	2831 / 681
Map Reference	MB 68 PG 76
Instrument Date	Oct 07, 2025
Instrument	2025008177
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4018 NESTING LN, VALDESE, NC 28690-9367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2981 FLAT GAP RD, VALDESE, NC 28690-8768

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	STEWART TITLE GURANTY, STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768

Mortgage

Document Number	0027430308
Date	May 09, 2024
Book Page	2743/308
Instrument	2024003954

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

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768
Document Number	0024730811
Instrument Date	Jun 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 09, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2963 FLAT GAP RD VALDESE NC 286908768, VALDESE, NC 28690-8768

Mortgage

Document Number	0024730811
Date	Jul 02, 2020
Book Page	002473/000811
Instrument	41952

Lender

Name	AMERISAVE MTG
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 01, 2035

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2963 FLAT GAP RD, VALDESE, NC 28690-8768
Document Number	0023080737
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2963 FLAT GAP RD VALDESE NC 286908768, VALDESE, NC 28690-8768

Mortgage

Document Number	0023080737
Date	Aug 29, 2017
Book Page	002308/000737
Instrument	7737

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 28, 2032

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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	$1,381.00 (-0.43%)	$195,422 (-) Land $16,906 Building $178,516	$195,422 (-) Land $16,906 Building $178,516
2023	$1,387.00	$195,422 Land $16,906 Building $178,516	$195,422 Land $16,906 Building $178,516

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Burke County (37023C), as of June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230212013, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2020–2024)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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)
Foothills Broadband Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 41 locations within half a mile of this property.

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