3118 River Rd, Morganton, NC 28655 Property Records

Burke County property record for 3118 River Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,280 sqft · built 1978
Lot Size	18.5 acres (808,474 sqft)
Owner	Individual Name on Record
Last Sale	$260,000 (Feb 2019)
Tax Bill	$2,488 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2720755344`

Property Details

APN / Parcel Number

Primary APN	`2720755344`
Alternative APN	`32765`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,280 sqft Living Area
1st Floor Area	2,075 sqft
Flooring	Vinyl/Resilient
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick/Stone
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	808,474 sqft (18.5 acres)
Terrain	Above Road/Slope
Garage Area	1,200 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	91 sqft
Deck Area	352 sqft
Patio Area	352 sqft
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Old Parcel Number	2720755344
Street Address	3118 RIVER RD
City	MORGANTON
State	NC
Zip	28655-6263
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXED USE DIST
Legal Description	3118 RIVER RD MORGANTON, NC 28655
Legal Subdivision	JAMES E WELLMAN & D W PATTON
Jurisdiction	BURKE NC
Township / Civil Division	LOWER FORK
Census Block Group	1
Census Block	1017
Census Tract	21203

Owner

Source: Burke County records, as of September 24, 2025

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
Co-owner	Co-owner on Record
Mailing Address	3118 RIVER RD, MORGANTON, NC 28655-6263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Feb 6, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 6, 2019 · Amount on Record
Deed Sale	Feb 6, 2019 · Amount on Record
Deed Document Number	0002387528
Deed Book / Page	2387 / 528
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3118 RIVER RD, MORGANTON, NC 28655-6263
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024880058
Date	Sep 14, 2020
Book Page	2488/58
Instrument	2017044637

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	65227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 6, 2019
Property Address	3118 RIVER RD, MORGANTON, NC 28655-6263
Document Number	0023870528
Book / Page	2387 / 0528
Instrument Date	Feb 6, 2019
Instrument	2017024499
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
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
Address	3118 RIVER RD, MORGANTON, NC 28655-6263

Mortgage

Document Number	2017024500
Date	Feb 6, 2019
Instrument	2017024500

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Burke County assessment roll, as of January 1, 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	$2,488.00 (-0.56%)	$363,103 (-) Land $99,937 Building $263,166	$363,103 (-) Land $99,937 Building $263,166
2023	$2,502.00	$363,103 Land $99,937 Building $263,166	$363,103 Land $99,937 Building $263,166

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

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

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on River Rd

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