403 Pea Ridge St, Morganton, NC 28655 Property Records

Burke County property record for 403 Pea Ridge St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,152 sqft · built 1932
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Aug 2023)
Tax Bill	$1,674 (2026)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1773325945`

Property Details

APN / Parcel Number

Primary APN	`1773325945`
Alternative APN	`19465`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
1st Floor Area	896 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)

Exterior Amenities

Porch	Slab
Porch Area	161 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	403 PEA RIDGE ST
City	MORGANTON
State	NC
Zip	28655-9841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW DENSIT
Legal Description	403 PEA RIDGE ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	4
Census Block	4037
Census Tract	20301

Owner

403 Pea Ridge St is owned and occupied by two individuals who bought it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	403 PEA RIDGE ST, MORGANTON, NC 28655-9841
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
Aug 2, 2023	Warranty Deed, Transfer · Seller Carry-Back STATE EMPLOYEES CU
Dec 13, 2022	Warranty Deed, Transfer
Aug 5, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2023 · Amount on File
Deed Sale	Aug 2, 2023 · Amount on File
Prior Sale	Dec 13, 2022 · Amount on File
Deed Document Number	20237078
Deed Book / Page	2698 / 663
Prior Transfer Date	Dec 13, 2016
Prior Transfer Doc	0022700228
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 2, 2023
Property Address	403 PEA RIDGE ST, MORGANTON, NC 28655-9841
Document Number	0026980663
Book / Page	2698 / 663
Instrument Date	Aug 1, 2023
Instrument	2023007078
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	403 PEA RIDGE ST, MORGANTON, NC 28655-9841

Mortgage

Document Number	2023007079
Date	Aug 2, 2023
Instrument	2023007079

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.27%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2028
Change Frequency	5 Years
Min Rate At Change	4.27%
Max Rate At Change	8.27%
Index	5-Year CMT
Max Rate	12.2%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Dec 13, 2022
Property Address	403 PEA RIDGE ST, MORGANTON, NC 28655-9841
Document Number	0026610032
Book / Page	2661 / 32
Instrument Date	Dec 12, 2022
Instrument	2021028785
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Amount	Amount on Record
Tax	$208.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2679 US 70 E # E13, E13, VALDESE, NC 28690-9517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2935, MORGANTON, NC 28680-2935

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 5, 2022
Property Address	403 PEA RIDGE ST, MORGANTON, NC 28655-9841
Document Number	0026380612
Book / Page	2638 / 612
Instrument Date	Jul 29, 2022
Instrument	2022024320
Transaction Type	Transfer
Record Updated	Aug 11, 2022

Transaction

Amount	Amount on Record
Tax	$50.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 135, GLEN ALPINE, NC 28628-0135

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2629 US 70 E APT D3, D3, VALDESE, NC 28690-9005

Tax Assessment & Valuation

The 2026 property tax bill for 403 Pea Ridge St was $1,674, 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
Municipality	Glen Alpine Town
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,674.00 (+0.3%)	$193,529 (-) Land $13,500 Building $180,029	$193,529 (-) Land $13,500 Building $180,029
2025	$1,669.00	$193,529 Land $13,500 Building $180,029	$193,529 Land $13,500 Building $180,029
2023	$830.00 (+33.66%)	$87,382 (+67.76%) Land $13,500 Building $73,882	$87,382 (+67.76%) Land $13,500 Building $73,882
2022	$621.00	$52,086 Land $9,000 Building $43,086	$52,086 Land $9,000 Building $43,086

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 403 Pea Ridge St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2004.

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	4 in force
Nearby Flood Claims	1 (2004)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2004 · Tropical Storm Frances

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 403 Pea Ridge St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% 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.

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 120 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
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Compas X-Stream, Verizon.

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