Burke County property record for 3695 NC 181, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,653 sqft · built 1958 |
| Lot Size | 1.66 acres (72,310 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,099 (2026) |
| Deeds & Mortgages | Aug 2018 Line of Credit Apr 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1775488318 |
| Primary APN | 1775488318 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,653 sqft Living Area |
| 1st Floor Area | 1,653 sqft |
| Basement Area | 1,653 sqft |
| Unfinished Basement | 1,653 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 72,310 sqft (1.66 acres) |
| Porch | Slab |
| Patio Area | 75 sqft |
| Utility Building | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3695 NC 181 |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-9507 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 3695 NC 181 MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 20204 |
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3695 NC 181, MORGANTON, NC 28655-9507 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2018 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 29, 2019 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 23, 2013 |
| Transfer Doc | 0020670992 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 3695 NC 181, MORGANTON, NC 28655-9507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0023630011 |
|---|---|
| Date | Aug 23, 2018 |
| Book Page | 2363/0011 |
| Instrument | 2017019257 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | DENVER, NC 28037 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 3695 NC 181, MORGANTON, NC 28655-9507 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024000279 |
|---|---|
| Date | Apr 29, 2019 |
| Book Page | 2400/0279 |
| Instrument | 2017027188 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | May 1, 2029 |
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,099.00 (+0.46%) | $157,811 (-) Land $19,984 Building $137,827 | $157,811 (-) Land $19,984 Building $137,827 |
| 2025 | $1,094.00 (-0.27%) | $157,811 (-) Land $19,984 Building $137,827 | $157,811 (-) Land $19,984 Building $137,827 |
| 2023 | $1,097.00 | $157,811 Land $19,984 Building $137,827 | $157,811 Land $19,984 Building $137,827 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 36 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
5G and 4G LTE (outdoors only)
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