Burke County property record for 3145 River Rd, Morganton, NC 28655 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,176 sqft · built 1980 |
| Lot Size | 33.1 acres (1,444,014 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,627 (2025) |
| Deeds & Mortgages | Feb 2023 Sale Sep 2020 Sale + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 2720765892 |
| Primary APN | 2720765892 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,176 sqft Living Area |
| 1st Floor Area | 1,524 sqft |
| Basement Area | 1,304 sqft |
| Unfinished Basement | 1,304 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Contemporary |
| Construction Type | Frame |
| Roof Material | Asphalt |
| Lot Area | 1,444,014 sqft (33.1 acres) |
| Garage Type | Attached |
| Porch | Patio |
|---|---|
| Porch Area | 864 sqft |
| Deck Area | 20 sqft |
| Patio Area | 152 sqft |
| Shed | 1 Shed |
| Shed Area | 160 sqft |
| Canopy | 224 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 3145 RIVER RD |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-6263 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 3145 RIVER RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | LOWER FORK |
| Census Block Group | 3 |
| Census Block | 3051 |
| Census Tract | 21201 |
Source: Burke County records · APN 2720765892
Assessment roll updated September 25, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 15, 2023 | Warranty Deed, Transfer |
| Sep 03, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Nov 20, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Feb 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage USAA |
| Apr 11, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Transfer Date | Oct 22, 2020 |
| Transfer Doc | 0024970772 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Feb 15, 2023 |
| Property Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Number | 0026690665 |
| Book / Page | 2669 / 665 |
| Map Reference | MB 46 PG 73 |
| Instrument Date | Nov 22, 2022 |
| Instrument | 2023001292 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $3.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Sep 03, 2020 |
| Property Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Number | 0024860204 |
| Book / Page | 002486 / 000204 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 44306 |
| Transaction Type | Transfer |
| Record Updated | Sep 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3145 RIVER RD MORGANTON NC 286556263, MORGANTON, NC 28655-6263 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Nov 20, 2019 |
| Property Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Number | 0024350429 |
| Book / Page | 002435 / 000429 |
| Instrument Date | Nov 20, 2019 |
| Instrument | 34441 |
| Transaction Type | Transfer |
| Record Updated | Dec 27, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 3145 RIVER RD MORGANTON NC 286556263, MORGANTON, NC 28655-6263 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Number | 0023330481 |
| Instrument Date | Feb 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3149 RIVER RD MORGANTON NC 286556263, MORGANTON, NC 28655-6263 |
| Document Number | 0023330481 |
|---|---|
| Date | Feb 14, 2018 |
| Book Page | 002333/000481 |
| Instrument | 12947 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 13, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Apr 11, 2017 |
| Property Address | 3145 RIVER RD, MORGANTON, NC 28655-6263 |
| Document Number | 0022870514 |
| Book / Page | 002287 / 000514 |
| Instrument Date | Apr 11, 2016 |
| Instrument | 3267 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3149 RIVER RD MORGANTON NC 286556263, MORGANTON, NC 28655-6263 |
Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,627.00 (-0.57%) | $384,190 (-) Land $157,772 Building $226,418 | $384,190 (-) Land $157,772 Building $226,418 |
| 2023 | $2,642.00 | $384,190 Land $157,772 Building $226,418 | $384,190 Land $157,772 Building $226,418 |
Source: FEMA National Flood Hazard Layer, Burke County (37023C), updated June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230212013, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (2020–2024) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | Sep 2024, rainfall accumulation, Tropical Storm Helene |
| Wildfire Risk | Low above 36% of the US · above 51% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,128 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 12 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Fiber | 1,000 / 1,000 |
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