3868 Bedford St, Morganton, NC 28655 Property Records

Burke County property record for 3868 Bedford St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,712 sqft · built 1988
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on File
Last Sale	$141,000 (Jan 2018)
Tax Bill	$1,210 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1772913960`

Property Details

APN / Parcel Number

Primary APN	`1772913960`
Alternative APN	`43588`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,712 sqft Living Area
1st Floor Area	1,130 sqft
Basement Area	582 sqft
Finished Basement	582 sqft
Unfinished Basement	582 sqft
Flooring	Carpet

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Architectural Style	Ranch
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	32,670 sqft (0.75 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	102 sqft
Deck Area	182 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3868 BEDFORD ST
City	MORGANTON
State	NC
Zip	28655-8354
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3868 BEDFORD ST MORGANTON, NC 28655
Legal Subdivision	JAMES DAVIS COOPER
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2003
Census Tract	20303

Owner

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	2 Individual Names on File
Mailing Address	3868 BEDFORD ST, MORGANTON, NC 28655-8354
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Jan 31, 2018	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 3, 2017	Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2018 · Amount on File
Deed Sale	Jan 31, 2018 · Amount on File
Deed Document Number	20182017012528
Deed Book / Page	2331 / 540
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3868 BEDFORD ST, MORGANTON, NC 28655-8354
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3868 BEDFORD ST, MORGANTON, NC 28655-8354

Mortgage

Document Number	0025610430
Date	Aug 10, 2021
Book Page	2561/430
Instrument	2021009425

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 31, 2018
Property Address	3868 BEDFORD ST, MORGANTON, NC 28655-8354
Document Number	0023310540
Book / Page	2331 / 0540
Instrument Date	Jan 31, 2018
Instrument	2017012528
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 N ANDERSON ST, 224, MORGANTON, NC 28655-3765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	141 JOHN BYNUM RD, OLD FORT, NC 28762-4735

Mortgage

Document Number	2017012529
Date	Jan 31, 2018
Instrument	2017012529

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

October 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BURKE NC
Property Address	3868 BEDFORD ST, MORGANTON, NC 28655-8354
Document Number	0023210751
Instrument Date	Oct 3, 2017
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3868 BEDFORD ST MORGANTON NC 286558354, MORGANTON, NC 28655-8354

Mortgage

Document Number	0023210751
Date	Nov 20, 2017
Book Page	002321/000751
Instrument	10406

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	480 Months
Due	Nov 19, 2057

Interest

Rate	4.12%

Tax Assessment & Valuation

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	$1,210.00 (+2.54%)	$167,447 (-) Land $15,378 Building $152,069	$167,447 (-) Land $15,378 Building $152,069
2025	$1,180.00 (-0.34%)	$167,447 (-) Land $15,378 Building $152,069	$167,447 (-) Land $15,378 Building $152,069
2023	$1,184.00	$167,447 Land $15,378 Building $152,069	$167,447 Land $15,378 Building $152,069

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 28, 2017

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	BRENTWOOD WATER ASSOCIATION private · serves 6,038 people · EPA ID NC0112103
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	Nov 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	None 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 56 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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