3576 Lake Dr, Morganton, NC 28655 Property Records

Burke County property record for 3576 Lake Dr, Morganton, NC 28655

Property Summary

Property Type	Other Improved
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on File
Last Sale	$30,500 (Apr 2016)
Tax Bill	$197 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Jun 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1775882116`

Property Details

APN / Parcel Number

Primary APN	`1775882116`
Alternative APN	`20501`

Exterior

Lot Area	29,621 sqft (0.68 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3576 LAKE DR
City	MORGANTON
State	NC
Zip	28655
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	RESIDENTIA
Legal Description	3576 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

3576 Lake Dr is owned by an individual who bought it in April 2016.

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

Owner of Record	Individual Name on File
Mailing Address	3548 LAKE DR, MORGANTON, NC 28655-6476
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
Oct 20, 2023	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jun 26, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Oct 23, 2017	Deed of Trust, Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 21, 2016 · Amount on File
Deed Sale	Apr 21, 2016 · Amount on File
Deed Document Number	20163236
Deed Book / Page	2232 / 700
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3576 LAKE DR, MORGANTON, NC 28655
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027120327
Date	Oct 20, 2023
Book Page	2712/327
Instrument	2023009816

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 26, 2019
Property Address	3576 LAKE DR, MORGANTON, NC 28655
Document Number	0024100482
Book / Page	002410 / 000482
Instrument Date	Jun 12, 2019
Instrument	29358
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$466.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3548 LAKE DR MORGANTON NC 286556476, MORGANTON, NC 28655-6476

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3576 LAKE DR, MORGANTON, NC 28655
Document Number	0023180328
Book / Page	002318 / 000328
Instrument Date	Oct 23, 2017
Transaction Type	Mortgage
Record Updated	Dec 8, 2017

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3548 LAKE DR MORGANTON NC 286556476, MORGANTON, NC 28655-6476

Mortgage

Document Number	0023180328
Date	Oct 27, 2017
Book Page	002318/000328
Instrument	9713

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 3576 Lake Dr was $197.

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	$197.00	$31,135 (-) Land $25,939 Building $5,196	$31,135 (-) Land $25,939 Building $5,196
2025	$197.00	$31,135 Land $25,939 Building $5,196	$31,135 Land $25,939 Building $5,196
2023	$199.00	$31,135 Land $25,939 Building $5,196	$31,135 Land $25,939 Building $5,196

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

Flood

FEMA maps place 3576 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 3576 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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