3520 Smith Rd, Morganton, NC 28655 Property Records

Burke County property record for 3520 Smith Rd, Morganton, NC 28655 · Last verified October 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,025 sqft · built 1972
Lot Size	0.469 acres (20,473 sqft)
Owner	2 Individual Names on File
Last Sale	$24,000 (Sep 1978)
Tax Bill	$749 (2025)
Deeds & Mortgages	Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2707843503`

Property Details

APN / Parcel Number

Primary APN	`2707843503`
Alternative APN	`23209`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
Gross Area	2,050 sqft
1st Floor Area	1,025 sqft
Basement Area	1,025 sqft
Unfinished Basement	1,025 sqft
Flooring	Hardwood

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	20,473 sqft (0.469 acres)
Terrain	Rolling
Deck Area	48 sqft
Patio Area	68 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Old Parcel Number	2707843503
Street Address	3520 SMITH RD
City	MORGANTON
State	NC
Zip	28655-9792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3520 SMITH RD MORGANTON, NC 28655
Legal Subdivision	OM P JAIN PROP
Jurisdiction	BURKE NC
Township / Civil Division	LOWER CREEK
Census Block Group	2
Census Block	2008
Census Tract	20100

Owner

Source: Burke County records · APN 2707843503

Assessment roll updated January 1, 2025 · Last verified October 2025

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 File
Co-owner	Verified Secondary Owner
Mailing Address	3520 SMITH RD, MORGANTON, NC 28655-9792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 08, 1978 · Amount on Record
Deed Sale	Sep 08, 1978 · Amount on Record
Deed Document Number	0000554439
Record Updated	Jun 07, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3520 SMITH RD, MORGANTON, NC 28655-9792
Document Number	0024090699
Instrument Date	Jun 21, 2019
Transaction Type	Mortgage
Record Updated	Jul 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3520 SMITH RD MORGANTON NC 286559792, MORGANTON, NC 28655-9792

Mortgage

Document Number	0024090699
Date	Jun 21, 2019
Book Page	002409/000699
Instrument	29175

Lender

Name	HOUSING FIN AGCY
Address	RALEIGH, NC 27611-8066

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$749.00 (-0.13%)	$96,030 (-) Land $6,815 Building $89,215	$96,030 (-) Land $6,815 Building $89,215
2023	$750.00	$96,030 Land $6,815 Building $89,215	$96,030 Land $6,815 Building $89,215

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Burke County (37023C), updated June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230201002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1993)
Most Recent Claim	Mar 1993, other causes, Severe Snowfall & Winter Storm

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	About 1 in 1,786 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.