3522 Lake Dr, Morganton, NC 28655 Property Records

Burke County property record for 3522 Lake Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,644 sqft · built 2019
Lot Size	1.4 acres (60,984 sqft)
Owner	2 Individual Names on File
Last Sale	$235,500 (Feb 2020)
Tax Bill	$1,984 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Feb 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1775789204`

Property Details

APN / Parcel Number

Primary APN	`1775789204`
Alternative APN	`20318`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,644 sqft Living Area
1st Floor Area	1,026 sqft
Flooring	Wood

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Cape Cod
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	60,984 sqft (1.4 acres)
Garage Type	Attached
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	228 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3522 LAKE DR
City	MORGANTON
State	NC
Zip	28655-6476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3522 LAKE DR MORGANTON, NC 28655
Legal Subdivision	THE OAKS AT HUNTERS RIDGE
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2014
Census Tract	20204

Owner

3522 Lake Dr is owned and occupied by two individuals who bought it in February 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	3522 LAKE DR, MORGANTON, NC 28655-6476
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
Apr 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 3, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2020 · Amount on File
Deed Sale	Feb 3, 2020 · Amount on File
Deed Document Number	202017036872
Deed Book / Page	2447 / 643
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3522 LAKE DR, MORGANTON, NC 28655-6476
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026140855
Date	Apr 6, 2022
Book Page	2614/855
Instrument	2022019554

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 3, 2020
Property Address	3522 LAKE DR, MORGANTON, NC 28655-6476
Document Number	0024470643
Book / Page	2447 / 0643
Map Reference	MB 35 PG 235
Instrument Date	Jan 25, 2020
Instrument	2017036872
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$471.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5670 ANCHOR DR, 5670, GRANITE FALLS, NC 28630-8695

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3522 LAKE DR, MORGANTON, NC 28655-6476

Mortgage

Document Number	2017036873
Date	Feb 3, 2020
Instrument	2017036873

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 5, 2018
Property Address	3522 LAKE DR, MORGANTON, NC 28655-6476
Document Number	0023740586
Book / Page	002374 / 000586
Instrument Date	Oct 31, 2018
Instrument	21716
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$480.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5670 ANCHOR DR GRANITE FALLS NC 286308695, GRANITE FALLS, NC 28630-8695
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 3522 Lake Dr was $1,984, down 0.1% 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	$1,984.00 (-0.1%)	$297,303 (-) Land $27,205 Building $270,098	$297,303 (-) Land $27,205 Building $270,098
2025	$1,986.00	$297,303 Land $27,205 Building $270,098	$297,303 Land $27,205 Building $270,098
2023	$1,990.00	$297,303 Land $27,205 Building $270,098	$297,303 Land $27,205 Building $270,098

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

Flood

FEMA maps place 3522 Lake Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 3522 Lake Dr is low, with a 0.05% annual chance of 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	0.05% 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 70 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T.

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