Burke County property record for 3041 Richard St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,897 sqft · built 2021 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $600 (Jun 2021) |
| Tax Bill | $2,230 (2026) |
| Deeds & Mortgages | Sep 2023 Line of Credit Jul 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1782508145 |
| Primary APN | 1782508145 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,897 sqft Living Area |
| Flooring | Wood |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Architectural Style | Conventional |
| Exterior Material | Wood Siding |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Garage Type | Attached |
| Garage Area | 550 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 55 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 3041 RICHARD ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-5973 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | BEL AIRE ESTATE LO35 SE2 |
| Legal Subdivision | BEL AIRE ESTAIE SUBDIVISION |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 20303 |
3041 Richard St is owned and occupied by two individuals who bought it in June 2021.
Source: Burke County records, as of October 12, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 12, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jul 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 10, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 2021 · Amount on File |
| Deed Sale | Jun 10, 2021 · Amount on File |
| Deed Document Number | 20216794 |
| Deed Book / Page | 2547 / 18 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Transaction Type | Mortgage |
| Record Updated | Sep 22, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0027050280 |
|---|---|
| Date | Sep 12, 2023 |
| Book Page | 2705/280 |
| Instrument | 2023008456 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jul 31, 2023 |
| Property Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Document Number | 0026980106 |
| Book / Page | 2698 / 106 |
| Map Reference | MB 5 PG 167 |
| Instrument Date | Jul 28, 2023 |
| Instrument | 2023006980 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $796.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 600 W UNION ST, MORGANTON, NC 28655-4308 |
| Name | Verified Name |
|---|---|
| Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Document Number | 2023006981 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023006981 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | Monthly |
| Min Rate At Change | 3.87% |
| Max Rate At Change | 7.87% |
| Index | 5-Year CMT |
| Max Rate | 11.8% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jun 10, 2021 |
| Property Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Document Number | 0025470018 |
| Book / Page | 2547 / 18 |
| Map Reference | MB 5 PG 167 |
| Instrument Date | Jun 7, 2021 |
| Instrument | 2021006794 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 1, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 CENTER COURT DR, 400, BOONE, NC 28607-8423 |
| Name | Verified Name |
|---|---|
| Address | 3041 RICHARD ST, MORGANTON, NC 28655-5973 |
| Document Number | 2021006795 |
|---|---|
| Date | Jun 10, 2021 |
| Instrument | 2021006795 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
The 2026 property tax bill for 3041 Richard St was $2,230, up 0.2% from the year before.
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,230.00 (+0.22%) | $325,773 (-) Land $23,000 Building $302,773 | $325,773 (-) Land $23,000 Building $302,773 |
| 2025 | $2,225.00 | $325,773 Land $23,000 Building $302,773 | $325,773 Land $23,000 Building $302,773 |
| 2023 | $2,145.00 (+15.32%) | ||
| 2022 | $1,860.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3041 Richard St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.
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 |
| Nearby Flood Claims | 1 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
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 risk around 3041 Richard St is moderate, ranking above 40% of the US, with a 0.05% 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 | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BRENTWOOD-JAMESTOWN ROAD private · serves 6,035 people · EPA ID NC0112104 |
|---|---|
| Water Source | Purchased surface water from CITY OF MORGANTON |
| Last State Inspection | Nov 2025 |
| Also Mapped Here | BRENTWOOD WATER ASSOCIATION |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 63 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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