Burke County property record for 404 Independence Trl, Morganton, NC 28655
| Property Type | Condominium |
|---|---|
| Details | 3 bd · 3 ba · 1,536 sqft · built 1987 |
| Lot Size | 14.8 acres (646,430 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $119,000 (Jul 1998) |
| Tax Bill | $1,425 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2704654573 |
| Primary APN | 2704654573 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 1,536 sqft Living Area |
| Gross Area | 1,796 sqft |
| 1st Floor Area | 1,024 sqft |
| Flooring | Vinyl/Resilient |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Condo/Apartment |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 646,430 sqft (14.8 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 260 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 1,750 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 12 sqft |
| Deck Area | 225 sqft |
| Patio Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Old Parcel Number | 2704654573 |
|---|---|
| Street Address | 404 INDEPENDENCE TRL |
| City | MORGANTON |
| State | NC |
| Zip | 28655-5755 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Local Zoning Code | LOW INTENSITY DIST |
| Legal Description | 404 INDEPENDENCE TRL MORGANTON, NC 28655 |
| Legal Subdivision | VICTORY POINTE CONDO |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 4 |
| Census Block | 4003 |
| Census Tract | 20600 |
Source: Burke County records, as of September 24, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 404 INDEPENDENCE TRL, MORGANTON, NC 28655-5755 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 31, 1998 · Amount on Record |
| Deed Sale | Jul 31, 1998 · Amount on Record |
| Deed Document Number | 0009051759 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 404 INDEPENDENCE TRL, MORGANTON, NC 28655-5755 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024430344 |
|---|---|
| Date | Jan 10, 2020 |
| Book Page | 2443/0344 |
| Instrument | 2017036019 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WILSON, NC 27893 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2040 |
Source: Burke County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Municipality | Morganton City |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,425.00 (-0.21%) | $239,373 (-) Land $34,800 Building $204,573 | $239,373 (-) Land $34,800 Building $204,573 |
| 2023 | $1,428.00 | $239,373 Land $34,800 Building $204,573 | $239,373 Land $34,800 Building $204,573 |
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 Claims | 1 (2024) |
| Claims Outside the SFHA | 1 of 1 |
| 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 | 0.03% 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 | 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 28 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Compas X-Stream Cable · Fiber in parts of the area | 1,000 / 50 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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