Burke County property record for 3970 US 64, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,896 sqft · built 1955 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $107,000 (Jul 2022) |
| Tax Bill | $1,442 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 1780374427 |
| Primary APN | 1780374427 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,896 sqft Living Area |
| 1st Floor Area | 1,896 sqft |
| Basement Area | 474 sqft |
| Unfinished Basement | 474 sqft |
| Flooring | Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Carport |
| Garage Area | 460 sqft |
| Carport | Carport |
| Carport Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 512 sqft |
|---|---|
| Pool House | 69 sqft |
| Porch | Slab |
| Porch Area | 268 sqft |
| Shed | 1 Shed |
| Shed Area | 100 sqft |
| Canopy | 16 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 3970 US 64 |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-8625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RURAL MIXE |
| Legal Description | 3970 US 64 MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 20304 |
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3970 US 64, MORGANTON, NC 28655-8625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 4, 2025 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Jun 29, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 5, 2022 · Amount on Record |
| Deed Sale | Jul 5, 2022 · Amount on Record |
| Deed Document Number | 202221023031 |
| Deed Book / Page | 2632 / 723 |
| Prior Transfer Date | Jun 22, 2022 |
| Prior Transfer Doc | 0026310971 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 3970 US 64, MORGANTON, NC 28655-8625 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3970 US 64, MORGANTON, NC 28655-8625 |
| Document Number | 0028370659 |
|---|---|
| Date | Nov 4, 2025 |
| Book Page | 2837/659 |
| Instrument | 2025009288 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27609 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 7.12% |
| Index | 5-Year CMT |
| Max Rate | 11.1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BURKE NC |
| Recording Date | Jun 29, 2022 |
| Property Address | 3970 US 64, MORGANTON, NC 28655-8625 |
| Document Number | 0026310971 |
| Book / Page | 2631 / 971 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 2021022890 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3970 US 64, 3970, MORGANTON, NC 28655-8625 |
| Name | Verified Name |
|---|---|
| Address | 3970 US 64, MORGANTON, NC 28655-8625 |
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 | $1,442.00 (+0.35%) | $203,860 (-) Land $7,125 Building $196,735 | $203,860 (-) Land $7,125 Building $196,735 |
| 2025 | $1,437.00 (-0.42%) | $203,860 (-) Land $7,125 Building $196,735 | $203,860 (-) Land $7,125 Building $196,735 |
| 2023 | $1,443.00 | $203,860 Land $7,125 Building $196,735 | $203,860 Land $7,125 Building $196,735 |
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 | 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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