3479 Muddy Creek Rd, Morganton, NC 28655 Property Records

Burke County property record for 3479 Muddy Creek Rd, Morganton, NC 28655

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	3 bd · 1 ba · 336 sqft · built 1975
Lot Size	0.86 acres (37,462 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,000 (Oct 2022)
Tax Bill	$1,465 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1752051178`

Property Details

APN / Parcel Number

Primary APN	`1752051178`
Alternative APN	`56051`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	1 Room
Stories	1 Story
Building Area	336 sqft Total Area
1st Floor Area	1,755 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2010
Architectural Style	Mobile Home
Fire Resistance	Wood or Wood & Steel Frame
Roof Material	Asphalt
Lot Area	37,462 sqft (0.86 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	512 sqft
Patio Area	240 sqft
Shed	1 Shed
Shed Area	200 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3479 MUDDY CREEK RD
City	MORGANTON
State	NC
Zip	28655-7233
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	RESIDENTIA
Legal Description	3479 MUDDY CREEK RD MORGANTON, NC 28655
Legal Subdivision	SURVEY OF PROPERTY FOR GRIER FRANKLIN
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	1
Census Block	1006
Census Tract	20301

Owner

Source: Burke County records, as of October 12, 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 Record
Mailing Address	3479 MUDDY CREEK RD, MORGANTON, NC 28655-7233
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE
Oct 19, 2022	Warranty Deed, Transfer · FHA Mortgage T2 FINANCLAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 19, 2022 · Amount on Record
Deed Sale	Oct 19, 2022 · Amount on Record
Prior Sale	Jan 31, 2008 · Amount on Record
Deed Document Number	202221026967
Deed Book / Page	2651 / 876
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Jul 30, 2026
Property Address	3479 MUDDY CREEK RD, MORGANTON, NC 28655-7233
Document Number	0026007125
Book / Page	2887 / 649
Instrument Date	Apr 14, 2026
Instrument	202626007125
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3479 MUDDY CREEK RD, MORGANTON, NC 28655-7233

Mortgage

Document Number	0026007125,
Date	Jul 30, 2026
Book Page	2887/649
Instrument	202626007125

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	Nov 1, 2052

Interest

Rate	6.22%
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 19, 2022
Property Address	3479 MUDDY CREEK RD, MORGANTON, NC 28655-7233
Document Number	0026510876
Book / Page	2651 / 876
Instrument Date	Oct 14, 2022
Instrument	2021026967
Transaction Type	Transfer
Record Updated	Oct 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$506.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3025 VANCE DENTON RD, 3025, MORGANTON, NC 28655-7915

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3479 MUDDY CREEK RD, MORGANTON, NC 28655-7233

Mortgage

Document Number	2021026968
Date	Oct 19, 2022
Instrument	2021026968

Lender

Name	T2 FINANCLAL LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Tax Assessment & Valuation

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	$1,465.00 (+2.66%)	$191,265 (-) Land $15,897 Building $175,368	$191,265 (-) Land $15,897 Building $175,368
2025	$1,427.00 (+6.49%)	$191,265 (-) Land $15,897 Building $175,368	$191,265 (-) Land $15,897 Building $175,368
2023	$1,340.00	$191,265 Land $15,897 Building $175,368	$191,265 Land $15,897 Building $175,368

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

Flood

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

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.06% 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	BRENTWOOD WATER ASSOCIATION private · serves 6,038 people · EPA ID NC0112103
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	Nov 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	None 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 16 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Verizon.

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