304 Riverside Dr, Morganton, NC 28655 Property Records

Burke County property record for 304 Riverside Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,298 sqft · built 1952
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on Record
Last Sale	$666 (Mar 2021)
Tax Bill	$2,007 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1793860459`

Property Details

APN / Parcel Number

Primary APN	`1793860459`
Alternative APN	`6233`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,298 sqft Living Area
1st Floor Area	1,213 sqft
Basement Area	237 sqft
Finished Basement	607 sqft
Unfinished Basement	237 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	488 sqft
Deck Area	214 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	304 RIVERSIDE DR
City	MORGANTON
State	NC
Zip	28655-3723
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	304 RIVERSIDE DR MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2002
Census Tract	20500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2026	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORPORATION
Sep 18, 2025	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Jun 8, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 15, 2021	Warranty Deed, Transfer
Jul 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORGANTON SVGS BK SSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2021 · Amount on Record
Deed Sale	Mar 15, 2021 · Amount on Record
Prior Sale	Apr 28, 2006 · Amount on Record
Deed Document Number	20212844
Deed Book / Page	2525 / 994
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Sep 15, 2026
Property Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Document Number	0026008801
Book / Page	2897 / 340
Instrument Date	Sep 11, 2026
Instrument	202626008801
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723

Mortgage

Document Number	0026008801,
Date	Sep 15, 2026
Book Page	2897/340
Instrument	202626008801

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Transaction Type	Mortgage
Record Updated	Sep 29, 2025
Title Company	UNKNOWN, AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723

Mortgage

Document Number	0028280167
Date	Sep 18, 2025
Book Page	2828/167
Instrument	2025007527

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Transaction Type	Mortgage
Record Updated	Jun 16, 2022
Title Company	VETERAN EXPRESS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026270634
Date	Jun 8, 2022
Book Page	2627/634
Instrument	2022022077

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 15, 2021
Property Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Document Number	0025250994
Book / Page	2525 / 994
Instrument Date	Mar 12, 2021
Instrument	2021002844
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Tax	$666.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	304 RIVERSIDE DR, MORGANTON, NC 28655-3723
Document Number	0024750437
Instrument Date	Jul 13, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3388 AERIAL WAY LENOIR NC 286458699, LENOIR, NC 28645-8699

Mortgage

Document Number	0024750437
Date	Jul 13, 2020
Book Page	002475/000437
Instrument	42243

Lender

Name	MORGANTON SVGS BK SSB
Address	MORGANTON, NC 28680-1509

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

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	$2,007.00 (+0.25%)	$343,381 (-) Land $65,690 Building $277,691	$343,381 (-) Land $65,690 Building $277,691
2025	$2,002.00 (-0.15%)	$343,381 (+0.27%) Land $65,690 Building $277,691	$343,381 (+0.27%) Land $65,690 Building $277,691
2023	$2,005.00	$342,441 Land $65,690 Building $276,751	$342,441 Land $65,690 Building $276,751

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	8 in force
Nearby Flood Claims	14 (1994–2024)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Tropical Storm Frances, Sep 2004 · 5 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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 87 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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