3442 Ridgewood Dr, Morganton, NC 28655 Property Records

Burke County property record for 3442 Ridgewood Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,564 sqft · built 1988
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$132,500 (Jan 2017)
Tax Bill	$1,660 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2712950429`

Property Details

APN / Parcel Number

Primary APN	`2712950429`
Alternative APN	`40518`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,564 sqft Living Area
1st Floor Area	1,276 sqft
Basement Area	515 sqft
Finished Basement	288 sqft
Unfinished Basement	515 sqft
Flooring	Wood

Exterior

Year Built	Built 1988
Effective Year Built	Effective 2000
Architectural Style	Split Level
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	21,780 sqft (0.5 acres)
Porch	Patio
Porch Area	344 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Well

Location & Zoning

Street Address	3442 RIDGEWOOD DR
City	MORGANTON
State	NC
Zip	28655-8991
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3442 RIDGEWOOD DR MORGANTON, NC 28655
Legal Subdivision	RIDGEWOOD SUBDIVISION SECTION 1
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2037
Census Tract	21201

Owner

3442 Ridgewood Dr is owned and occupied by two individuals who acquired it in November 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3442 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

Date	Document
Aug 23, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 22, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 13, 2017	Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2017 · Amount on File
Deed Sale	Jan 13, 2017 · Amount on File
Prior Sale	Jan 16, 2008 · Amount on File
Deed Document Number	2017338
Deed Book / Page	2274 / 531
Last Transfer Date	Nov 16, 2020
Transfer Doc	0025090564
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3442 RIDGEWOOD DR, MORGANTON, NC 28655-8991
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026410784
Date	Aug 23, 2022
Book Page	2641/784
Instrument	2021024939

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RUTHERFORD COLLEGE, NC 28671

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Dec 22, 2020
Property Address	3442 RIDGEWOOD DR, MORGANTON, NC 28655-8991
Document Number	0025090564
Book / Page	2509 / 564
Map Reference	MB 745 PG 1919
Instrument Date	Nov 16, 2020
Instrument	2017048566
Transaction Type	Transfer
Record Updated	Sep 28, 2021

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	3442 RIDGEWOOD DR, MORGANTON, NC 28655-8991

Mortgage

Document Number	2017048567
Date	Dec 22, 2020
Instrument	2017048567

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 13, 2017
Property Address	3442 RIDGEWOOD DR, MORGANTON, NC 28655-8991
Document Number	0022740531
Book / Page	002274 / 000531
Instrument Date	Jan 12, 2017
Instrument	338
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$265.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3442 RIDGEWOOD DR MORGANTON NC 286558991, MORGANTON, NC 28655-8991

Mortgage

Document Number	22740534
Date	Jan 13, 2017
Book Page	002274/000534
Instrument	339

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jan 12, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3442 Ridgewood Dr was $1,660, up 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	$1,660.00 (+0.3%)	$238,746 (-) Land $28,250 Building $210,496	$238,746 (-) Land $28,250 Building $210,496
2025	$1,655.00	$238,746 Land $28,250 Building $210,496	$238,746 Land $28,250 Building $210,496
2023	$1,595.00	$238,746 Land $28,250 Building $210,496	$238,746 Land $28,250 Building $210,496

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

Flood

FEMA maps place 3442 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 3442 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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