3441 Ridgewood Dr, Morganton, NC 28655 Property Records

Burke County property record for 3441 Ridgewood Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,307 sqft · built 1990
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Nov 2013)
Tax Bill	$1,446 (2026)
Deeds & Mortgages	Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2712951665`

Property Details

APN / Parcel Number

Primary APN	`2712951665`
Alternative APN	`40523`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,307 sqft Living Area
1st Floor Area	792 sqft
Flooring	Tile

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Raised
Roof Material	Metal
Lot Area	19,602 sqft (0.45 acres)

Exterior Amenities

Porch	Slab
Porch Area	356 sqft
Deck Area	112 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Street Address	3441 RIDGEWOOD DR
City	MORGANTON
State	NC
Zip	28655-8991
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3441 RIDGEWOOD DR MORGANTON, NC 28655
Legal Subdivision	RIDGEWOOD SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2037
Census Tract	21201

Owner

3441 Ridgewood Dr is owned and occupied by an individual who bought it in November 2013.

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

Owner of Record	Individual Name on File
Mailing Address	3441 RIDGEWOOD DR, MORGANTON, NC 28655-8991
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2013 · Amount on File
Deed Sale	Nov 13, 2013 · Amount on File
Deed Document Number	201310785
Deed Book / Page	2114 / 831
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3441 RIDGEWOOD DR, MORGANTON, NC 28655-8991
Document Number	0024520166
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3441 RIDGEWOOD DR MORGANTON NC 286558991, MORGANTON, NC 28655-8991

Mortgage

Document Number	0024520166
Date	Mar 3, 2020
Book Page	002452/000166
Instrument	37810

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 2, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

The 2026 property tax bill for 3441 Ridgewood Dr was $1,446, down 0.3% 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	$1,446.00 (-0.34%)	$206,090 (-) Land $25,425 Building $180,665	$206,090 (-) Land $25,425 Building $180,665
2025	$1,451.00	$206,090 Land $25,425 Building $180,665	$206,090 Land $25,425 Building $180,665
2023	$1,403.00	$206,090 Land $25,425 Building $180,665	$206,090 Land $25,425 Building $180,665

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

Flood

FEMA maps place 3441 Ridgewood Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 28, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3441 Ridgewood Dr is low, with a 0.03% 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	0.03% 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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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