3977 1st Ct, Morganton, NC 28655 Property Records

Burke County property record for 3977 1st Ct, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,874 sqft · built 2008
Lot Size	0.51 acres (22,216 sqft)
Owner	Company Name on Record
Last Sale	$671,000 (Nov 2021)
Tax Bill	$4,891 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Nov 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1772001041`

Property Details

APN / Parcel Number

Primary APN	`1772001041`
Alternative APN	`41666`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,874 sqft Living Area
1st Floor Area	2,613 sqft
Basement Area	352 sqft
Finished Basement	2,352 sqft
Unfinished Basement	352 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	22,216 sqft (0.51 acres)
Garage Area	817 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Patio
Porch Area	370 sqft
Deck Area	330 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	3977 1ST CT
City	MORGANTON
State	NC
Zip	28655-6626
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	3977 1ST CT MORGANTON, NC 28655
Legal Subdivision	SIVLER CREEK PLANTATION
Legal Tract	1
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3977 1ST CT, MORGANTON, NC 28655-6626
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2023	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
May 24, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	202113793
Deed Book / Page	2584 / 502
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3977 1ST CT, MORGANTON, NC 28655-6626
Transaction Type	Mortgage
Record Updated	Jan 23, 2023
Title Company	STEWART TITLE GUARANTY NON C

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3977 1ST CT, MORGANTON, NC 28655-6626

Mortgage

Document Number	0026640856
Date	Jan 11, 2023
Book Page	2664/856
Instrument	2023000270

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27603

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 16, 2021
Property Address	3977 1ST CT, MORGANTON, NC 28655-6626
Document Number	0025840502
Book / Page	2584 / 502
Map Reference	MB 11 PG 89
Instrument Date	Nov 12, 2021
Instrument	2021013793
Transaction Type	Transfer
Record Updated	Dec 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,342.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1742 VERDICT RIDGE, 1742, MORGANTON, NC 28655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	3977 1ST CT, MORGANTON, NC 28655

Mortgage

Document Number	0025840505
Date	Nov 16, 2021
Book Page	2584/505
Instrument	2021013794

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3977 1ST CT, MORGANTON, NC 28655-6626
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024440593
Date	Jan 16, 2020
Book Page	2444/0593
Instrument	2017036234

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3977 1ST CT, MORGANTON, NC 28655-6626
Document Number	0025150860
Instrument Date	Jan 21, 2021
Transaction Type	Mortgage
Record Updated	Feb 17, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3877 1ST CT MORGANTON NC 286556666, MORGANTON, NC 28655-6666

Mortgage

Document Number	0025150860
Date	Jan 26, 2021
Book Page	002515/000860
Instrument	924

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2051

Interest

Rate Type	Adjustable Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 24, 2019
Property Address	3977 1ST CT, MORGANTON, NC 28655-6626
Document Number	0024040520
Book / Page	2404 / 0520
Map Reference	MB 11 PG 89
Instrument Date	May 23, 2019
Instrument	2017028152
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3637 BLANKENSHIP DR, 3637, MORGANTON, NC 28655-5005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3877 1ST CT, MORGANTON, NC 28655-6666

Mortgage

Document Number	2017028153
Date	May 24, 2019
Instrument	2017028153

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

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	$4,891.00 (+2.39%)	$720,908 (-) Land $46,416 Building $674,492	$720,908 (-) Land $46,416 Building $674,492
2025	$4,777.00 (-0.67%)	$720,908 (-) Land $46,416 Building $674,492	$720,908 (-) Land $46,416 Building $674,492
2023	$4,809.00	$720,908 Land $46,416 Building $674,492	$720,908 Land $46,416 Building $674,492

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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 63 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: AT&T, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 1st Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures