3604 Lake Dr, Morganton, NC 28655 Property Records

Burke County property record for 3604 Lake Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,441 sqft · built 2022
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$310,000 (Oct 2022)
Tax Bill	$1,979 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1775883133`

Property Details

APN / Parcel Number

Primary APN	`1775883133`
Alternative APN	`20592`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,441 sqft Living Area
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	25,265 sqft (0.58 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3604 LAKE DR
City	MORGANTON
State	NC
Zip	28655-5957
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3604 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

3604 Lake Dr is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	3604 LAKE DR, MORGANTON, NC 28655-5957
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
Oct 21, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU
Apr 18, 2022	Intrafamily Transfer, Transfer
Jun 18, 2021	Warranty Deed, Transfer
Nov 5, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2022 · Amount on File
Deed Sale	Oct 21, 2022 · Amount on File
Prior Sale	Apr 18, 2022 · Amount on File
Deed Document Number	202221027076
Deed Book / Page	2652 / 461
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 21, 2022
Property Address	3604 LAKE DR, MORGANTON, NC 28655-5957
Document Number	0026520461
Book / Page	2652 / 461
Map Reference	MB 35 PG 235
Instrument Date	Oct 21, 2022
Instrument	2021027076
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 27, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 SAMARA LN, 115, MOORESVILLE, NC 28115-5219

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 LAKE DR, MORGANTON, NC 28655-5957

Mortgage

Document Number	2021027077
Date	Oct 21, 2022
Instrument	2021027077

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2027
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Apr 18, 2022
Property Address	3604 LAKE DR, MORGANTON, NC 28655-5957
Document Number	0026170451
Book / Page	2617 / 451
Map Reference	MB 35 PG 215
Instrument Date	Apr 18, 2022
Instrument	2022020071
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	602 39TH AVE NW, 602, HICKORY, NC 28601-8079

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SAMARA LN, MOORESVILLE, NC 28115-5219

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 18, 2021
Property Address	3604 LAKE DR, MORGANTON, NC 28655-5957
Document Number	0025480960
Book / Page	2548 / 960
Map Reference	MB 35 PG 235
Instrument Date	Jun 18, 2021
Instrument	2021007116
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount on Record
Tax	$52.00
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	1231 14TH AVENUE CIR NE, HICKORY, NC 28601-2219

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 5, 2018
Property Address	3604 LAKE DR, MORGANTON, NC 28655-5957
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 3604 Lake Dr was $1,979, up 0.3% 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	$1,979.00 (+0.25%)	$296,482 (-) Land $25,420 Building $271,062	$296,482 (-) Land $25,420 Building $271,062
2025	$1,974.00	$296,482 Land $25,420 Building $271,062	$296,482 Land $25,420 Building $271,062
2023	$1,985.00	$296,482 Land $25,420 Building $271,062	$296,482 Land $25,420 Building $271,062

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

Flood

FEMA maps place 3604 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 3604 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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