2970 Lake Dr, Morganton, NC 28655 Property Records

Burke County property record for 2970 Lake Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,125 sqft · built 1984
Lot Size	0.52 acres (22,651 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (Sep 2025)
Tax Bill	$1,196 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Jul 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1786003063`

Property Details

APN / Parcel Number

Primary APN	`1786003063`
Alternative APN	`40546`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	1,125 sqft Living Area
1st Floor Area	1,125 sqft
Basement Area	1,125 sqft
Unfinished Basement	1,125 sqft
Flooring	Wood

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2010
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	22,651 sqft (0.52 acres)
Porch	Slab
Deck Area	96 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2970 LAKE DR
City	MORGANTON
State	NC
Zip	28655-9545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	2970 LAKE DR MORGANTON, NC 28655
Legal Subdivision	SHERRILL GREENE SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2017
Census Tract	20204

Owner

2970 Lake Dr is owned by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4903 HEAVENLY LN, MORGANTON, NC 28655-7402
Owner Type	Individual
Vesting	Husband and Wife

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
Aug 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jul 23, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Jul 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2025 · Amount on File
Deed Sale	Sep 10, 2025 · Amount on File
Prior Sale	Jul 23, 2018 · Amount on File
Deed Document Number	20257237
Deed Book / Page	2826 / 465
Prior Transfer Date	Jan 9, 2009
Prior Transfer Doc	0018140823
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2970 LAKE DR, MORGANTON, NC 28655-9545
Transaction Type	Mortgage
Record Updated	Aug 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026390474
Date	Aug 11, 2022
Book Page	2639/474
Instrument	2021024495

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	5-Year CMT
Max Rate	10%

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 23, 2018
Property Address	2970 LAKE DR, MORGANTON, NC 28655-9545
Document Number	0023580046
Book / Page	2358 / 0046
Instrument Date	Jul 20, 2018
Instrument	2017018191
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$276.00
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
Relationship	Joint Tenants with Right of Survivorship
Address	2970 LAKE DR, MORGANTON, NC 28655-9545

Mortgage

Document Number	2017018192
Date	Jul 23, 2018
Instrument	2017018192

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	5 Years
Min Rate At Change	4.25%
Margin	2
Max Rate	10.2%

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	Jul 20, 2018
Property Address	2970 LAKE DR, MORGANTON, NC 28655-9545
Document Number	0023570724
Book / Page	002357 / 000724
Instrument Date	Jul 1, 2018
Instrument	18124
Transaction Type	Transfer
Record Updated	Aug 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2970 LAKE DR MORGANTON NC 286559545, MORGANTON, NC 28655-9545

Tax Assessment & Valuation

The 2026 property tax bill for 2970 Lake Dr was $1,196, up 2% 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	$1,196.00 (+1.96%)	$173,222 (+1.67%) Land $25,106 Building $148,116	$173,222 (+1.67%) Land $25,106 Building $148,116
2025	$1,173.00	$170,374 Land $25,106 Building $145,268	$170,374 Land $25,106 Building $145,268
2023	$1,178.00	$170,374 Land $25,106 Building $145,268	$170,374 Land $25,106 Building $145,268

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

Flood

FEMA maps place 2970 Lake Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2970 Lake Dr is moderate, ranking above 40% of the US, with a 0.06% annual chance of 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 65 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lake Dr

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