3197 Adventist Cir, Morganton, NC 28655 Property Records

Burke County property record for 3197 Adventist Cir, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 980 sqft · built 1940
Lot Size	6.11 acres (266,152 sqft)
Owner	2 Trust Names on File
Last Sale	$160,000 (Jun 2026)
Tax Bill	$1,167 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1756439767`

Property Details

APN / Parcel Number

Primary APN	`1756439767`
Alternative APNs	`1756542416` `40463`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	980 sqft Living Area
1st Floor Area	624 sqft
Basement Area	31 sqft
Unfinished Basement	31 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	266,152 sqft (6.11 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	232 sqft
Patio Area	110 sqft
Shed	1 Shed
Shed Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3197 ADVENTIST CIR
City	MORGANTON
State	NC
Zip	28655-9587
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	LO2 PL58-10
Legal Subdivision	SURVEY FOR MARC PARHAM
Jurisdiction	BURKE NC
Township / Civil Division	UPPER CREEK
Census Block Group	1
Census Block	1069
Census Tract	20203

Owner

3197 Adventist Cir is held in a trust since June 2026.

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

Owner of Record	2 Trust Names on File
Mailing Address	109 E HEART PINE LN, STATESVILLE, NC 28677-9611
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION
Dec 15, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2026 · Amount on File
Deed Sale	Jun 2, 2026 · Amount on File
Deed Document Number	202626005023
Deed Book / Page	2876 / 430
Prior Transfer Date	Dec 7, 2021
Prior Transfer Doc	0025910469
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 2, 2026
Property Address	3197 ADVENTIST CIR, MORGANTON, NC 28655-9587
Document Number	0026005023
Book / Page	2876 / 430
Instrument Date	May 29, 2026
Instrument	202626005023
Transaction Type	Transfer
Record Updated	Jun 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$32,320.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	109 E HEART PINE LN, STATESVILLE, NC 28677-9611

Mortgage

Document Number	0000005024,
Date	Jun 2, 2026
Instrument	20265024

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	2%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Dec 15, 2021
Property Address	3197 ADVENTIST CIR, MORGANTON, NC 28655-9587
Document Number	0025910469
Book / Page	2591 / 469
Map Reference	MB 58 PG 10
Instrument Date	Dec 7, 2021
Instrument	2021015044
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3197 ADVENTIST CIR, MORGANTON, NC 28655-9587

Mortgage

Document Number	2021015045
Date	Dec 15, 2021
Instrument	2021015045

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jan 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

The 2026 property tax bill for 3197 Adventist Cir was $1,167, up 71.9% from the year before.

Source: Burke County assessment roll, as of October 12, 2026

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
2026	$1,167.00 (+71.87%)	$168,587 (-) Land $45,456 Building $123,131	$168,587 (-) Land $45,456 Building $123,131
2025	$679.00	$168,587 Land $45,456 Building $123,131	$168,587 Land $45,456 Building $123,131
2023	$1,166.00	$168,587 Land $45,456 Building $123,131	$168,587 Land $45,456 Building $123,131

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

Flood

FEMA maps place 3197 Adventist Cir in Zone X, an area of minimal flood risk, though there have been 17 flood claims nearby since 2018.

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
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	17 (2018–2024)
Claims Outside the SFHA	5 of 17
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 15 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

Wildfire risk around 3197 Adventist Cir is moderate, ranking above 43% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.08% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

4G LTE (outdoors only), no 5G reported

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