3520 Pea Rdg Rd, Morganton, NC 28655 Property Records

Burke County property record for 3520 Pea Rdg Rd, Morganton, NC 28655

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,404 sqft · built 2020
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,000 (Jul 2026)
Tax Bill	$1,273 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1776113989`

Property Details

APN / Parcel Number

Primary APN	`1776113989`
Alternative APNs	`1776115940` `9927`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,404 sqft Living Area
1st Floor Area	924 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Mobile Home
Construction Type	Frame
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	45,738 sqft (1.05 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Deck Area	16 sqft
Patio Area	50 sqft
Shed	1 Shed
Shed Area	160 sqft
Gazebo	1 sqft
Lean-To	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3520 PEA RIDGE RD
City	MORGANTON
State	NC
Zip	28655-7536
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RURAL MIXE
Legal Description	LO2 PL53-62
Legal Subdivision	DONNA CLARK SHOUN PROPERTY
Jurisdiction	BURKE NC
Township / Civil Division	UPPER CREEK
Census Block Group	1
Census Block	1002
Census Tract	20204

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	3520 PEA RIDGE RD, MORGANTON, NC 28655-7536
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Oct 5, 2022	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
May 6, 2020	Quit Claim Deed, Transfer COMPETITIVE HSNG CENTER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2026 · Amount on Record
Deed Sale	Jul 20, 2026 · Amount on Record
Deed Document Number	202626006731
Deed Book / Page	2885 / 552
Prior Transfer Date	Apr 30, 2020
Prior Transfer Doc	0024630218
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jul 20, 2026
Property Address	3520 PEA RIDGE RD, MORGANTON, NC 28655-7536
Document Number	0026006731
Book / Page	2885 / 552
Instrument Date	Jul 17, 2026
Instrument	202626006731
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,106.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3520 PEA RIDGE RD, MORGANTON, NC 28655-7536

Mortgage

Document Number	0026006731,
Date	Jul 20, 2026
Book Page	2885/556
Instrument	202626006731

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3520 PEA RIDGE RD, MORGANTON, NC 28655-7536
Transaction Type	Mortgage
Record Updated	Oct 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026490276
Date	Oct 5, 2022
Book Page	2649/276
Instrument	2022026432

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	26642

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

May 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	May 6, 2020
Property Address	3520 PEA RIDGE RD, MORGANTON, NC 28655-7536
Document Number	0024630218
Book / Page	002463 / 000218
Instrument Date	Apr 30, 2020
Instrument	39917
Transaction Type	Transfer
Record Updated	May 29, 2020
Title Company	GRIMM PARALEGAL SERVICES, GRIMM PARALEGAL SVCS

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3520 PEA RIDGE RD MORGANTON NC 286557536, MORGANTON, NC 28655-7536

Mortgage

Document Number	24630220
Date	May 6, 2020
Book Page	002463/000220
Instrument	39918

Lender

Name	COMPETITIVE HSNG CENTER
Address	521 E FLEMING DR, MORGANTON, NC 28655-5397

Agreement

Amount	Amount Recorded

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	$1,273.00 (+0.39%)	$185,300 (-) Land $17,933 Building $167,367	$185,300 (-) Land $17,933 Building $167,367
2025	$1,268.00 (-0.94%)	$185,300 (-0.59%) Land $17,933 Building $167,367	$185,300 (-0.59%) Land $17,933 Building $167,367
2023	$1,280.00	$186,401 Land $17,933 Building $168,468	$186,401 Land $17,933 Building $168,468

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 · 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 Policies	2 in force
Nearby Flood Claims	2 (2018–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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