315 Morgan Dr, Morganton, NC 28655 Property Records

Burke County property record for 315 Morgan Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 863 sqft · built 1942
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$26,500 (Aug 2015)
Tax Bill	$671 (2026)
Deeds & Mortgages	Mar 2026 Line of Credit Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2703983965`

Property Details

APN / Parcel Number

Primary APN	`2703983965`
Alternative APN	`5801`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	863 sqft Living Area
1st Floor Area	863 sqft
Flooring	Tile

Exterior

Year Built	Built 1942
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Area	350 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	77 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	315 MORGAN DR
City	MORGANTON
State	NC
Zip	28655-5323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	315 MORGAN DR MORGANTON, NC 28655
Legal Subdivision	HILLCREST SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1004
Census Tract	20600

Owner

315 Morgan Dr is owned and occupied by an individual who bought it in August 2015.

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

Owner of Record	Individual Name on File
Mailing Address	315 MORGAN DR, MORGANTON, NC 28655-5323
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 25, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2015 · Amount on File
Deed Sale	Aug 10, 2015 · Amount on File
Prior Sale	Oct 8, 2010 · Amount on File
Deed Document Number	20156659
Deed Book / Page	2198 / 431
Prior Transfer Date	Oct 28, 2008
Prior Transfer Doc	0000012875
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	315 MORGAN DR, MORGANTON, NC 28655-5323
Transaction Type	Mortgage
Record Updated	Mar 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0028570754
Date	Mar 3, 2026
Book Page	2857/754
Instrument	2026001780

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 25, 2021
Property Address	315 MORGAN DR, MORGANTON, NC 28655-5323
Document Number	0025790675
Book / Page	2579 / 675
Map Reference	MB 1 PG 107
Instrument Date	Oct 21, 2021
Instrument	2021012874
Transaction Type	Transfer
Record Updated	Feb 1, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$244.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 MORGAN DR, MORGANTON, NC 28655-5323

Mortgage

Document Number	2021012875
Date	Oct 25, 2021
Instrument	2021012875

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Nov 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Margin	7
Max Rate	8.15%

Tax Assessment & Valuation

The 2026 property tax bill for 315 Morgan Dr was $671, up 0.8% from the year before.

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	$671.00 (+0.75%)	$102,548 (-) Land $13,400 Building $89,148	$102,548 (-) Land $13,400 Building $89,148
2025	$666.00	$102,548 Land $13,400 Building $89,148	$102,548 Land $13,400 Building $89,148
2023	$662.00	$102,548 Land $13,400 Building $89,148	$102,548 Land $13,400 Building $89,148

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 315 Morgan Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1994.

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 Claims	2 (1994–2004)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2004 · Tropical Storm Frances

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

Wildfire risk around 315 Morgan Dr is low, with a 0.02% annual chance of 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	0.02% 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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