302 Ramsey St, Morganton, NC 28655 Property Records

Burke County property record for 302 Ramsey St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1961
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$182,500 (Jul 2026)
Tax Bill	$537 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jan 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703442063`

Property Details

APN / Parcel Number

Primary APN	`2703442063`
Alternative APN	`4699`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
1st Floor Area	864 sqft
Basement Area	432 sqft
Unfinished Basement	432 sqft
Utility Room	Utility Room
Flooring	Wood

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1975
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	192 sqft
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	302 RAMSEY ST
City	MORGANTON
State	NC
Zip	28655-3912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	302 RAMSEY ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1016
Census Tract	21400

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	Individual Name on Record
Mailing Address	302 RAMSEY ST, MORGANTON, NC 28655-3912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE
Jan 8, 2026	Warranty Deed, Transfer · Seller Carry-Back JANICE MCADAMS
May 11, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 10, 2026 · Amount on Record
Deed Sale	Jul 10, 2026 · Amount on Record
Prior Sale	Jan 8, 2026 · Amount on Record
Deed Document Number	202626006424
Deed Book / Page	2884 / 75
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 10, 2026
Property Address	302 RAMSEY ST, MORGANTON, NC 28655-3912
Document Number	0026006424
Book / Page	2884 / 75
Instrument Date	Jul 10, 2026
Instrument	202626006424
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$36,865.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	302 RAMSEY ST, MORGANTON, NC 28655-3912

Mortgage

Document Number	0026006424,
Date	Jul 10, 2026
Book Page	2884/78
Instrument	202626006424

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 8, 2026
Property Address	302 RAMSEY ST, MORGANTON, NC 28655-3912
Document Number	0028480819
Book / Page	2848 / 819
Instrument Date	Jan 8, 2026
Instrument	2026000153
Transaction Type	Transfer
Record Updated	Jan 16, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$154.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 PIERCY AVE, MORGANTON, NC 28655-8159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 CATAWBA ST # 900, 900, GLEN ALPINE, NC 28628-9800

Mortgage

Document Number	2026000154
Date	Jan 8, 2026
Instrument	2026000154

Lender

Name	JANICE MCADAMS
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	12 Months
Due	Jan 8, 2027

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 11, 2022
Property Address	302 RAMSEY ST, MORGANTON, NC 28655-3912
Document Number	0026220290
Book / Page	2622 / 290
Instrument Date	Apr 21, 2022
Instrument	2022020981
Transaction Type	Transfer
Record Updated	May 25, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 15817, SURFSIDE BEACH, SC 29587-5817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 PIERCY AVE, MORGANTON, NC 28655-8159

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Municipality	Morganton City
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$537.00 (+0.94%)	$78,396 (-) Land $13,000 Building $65,396	$78,396 (-) Land $13,000 Building $65,396
2025	$532.00 (+0.95%)	$78,396 (-) Land $13,000 Building $65,396	$78,396 (-) Land $13,000 Building $65,396
2023	$527.00	$78,396 Land $13,000 Building $65,396	$78,396 Land $13,000 Building $65,396

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50

May also be available: AT&T, Spectrum, T-Mobile, Verizon.

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