3012 Lake Dr, Morganton, NC 28655 Property Records

Burke County property record for 3012 Lake Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,514 sqft · built 1981
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jun 2026)
Tax Bill	$1,211 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1776909031`

Property Details

APN / Parcel Number

Primary APN	`1776909031`
Alternative APN	`20119`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1995
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	3012 LAKE DR
City	MORGANTON
State	NC
Zip	28655-9552
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	3012 LAKE DR MORGANTON, NC 28655
Legal Subdivision	DEERFIELD SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2017
Census Tract	20204

Owner

Source: Burke County records, as of July 15, 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	3012 LAKE DR, MORGANTON, NC 28655-9552
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Warranty Deed, Transfer · Conventional Mortgage NONE LISTED ON DOCUMENT
Aug 2, 2023	Deed of Trust, Mortgage · Line of Credit TRULIANT FCU
Jan 28, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2026 · Amount on Record
Deed Sale	Jun 30, 2026 · Amount on Record
Prior Sale	Jan 28, 2022 · Amount on Record
Deed Document Number	202626006056
Deed Book / Page	2882 / 170
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 30, 2026
Property Address	3012 LAKE DR, MORGANTON, NC 28655-9552
Document Number	0026006056
Book / Page	2882 / 170
Instrument Date	Jun 10, 2026
Instrument	202626006056
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$54,540.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 LAKE DR, MORGANTON, NC 28655-9552

Mortgage

Document Number	0000006057,
Date	Jun 30, 2026
Instrument	20266057

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.65%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3012 LAKE DR, MORGANTON, NC 28655-9552
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026980615
Date	Aug 2, 2023
Book Page	2698/615
Instrument	2023007071

Lender

Name	TRULIANT FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27103

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 25, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 28, 2022
Property Address	3012 LAKE DR, MORGANTON, NC 28655-9552
Document Number	0026000583
Book / Page	2600 / 583
Map Reference	MB 6 PG 125
Instrument Date	Jan 28, 2022
Instrument	2021016768
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1508 245TH AVE, 1508, GALESBURG, IL 61401-9467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 LAKE DR, MORGANTON, NC 28655-9552

Mortgage

Document Number	2021016769
Date	Jan 28, 2022
Instrument	2021016769

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Burke County assessment roll, as of September 25, 2025

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
2025	$1,211.00 (-0.41%)	$176,272 (-) Land $25,678 Building $150,594	$176,272 (-) Land $25,678 Building $150,594
2023	$1,216.00	$176,272 Land $25,678 Building $150,594	$176,272 Land $25,678 Building $150,594

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	0.06% 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

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