404 Shady Rest Rd, Morganton, NC 28655 Property Records

Burke County property record for 404 Shady Rest Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1950
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Feb 2024)
Tax Bill	$652 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703803161`

Property Details

APN / Parcel Number

Primary APN	`2703803161`
Alternative APN	`4121`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,344 sqft Living Area
1st Floor Area	768 sqft
Basement Area	192 sqft
Finished Basement	576 sqft
Unfinished Basement	192 sqft
Flooring	Tile

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	360 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	404 SHADY REST RD
City	MORGANTON
State	NC
Zip	28655-4642
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	404 SHADY REST RD MORGANTON, NC 28655
Legal Subdivision	A H SLOAN SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2009
Census Tract	21400

Owner

404 Shady Rest Rd is owned and occupied by two individuals who bought it in February 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	404 SHADY REST RD, MORGANTON, NC 28655-4642
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
Jul 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage LENDING JD
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on File
Deed Sale	Feb 29, 2024 · Amount on File
Deed Document Number	202424001667
Deed Book / Page	2731 / 505
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Jul 21, 2026
Property Address	404 SHADY REST RD, MORGANTON, NC 28655-4642
Document Number	0026006769
Book / Page	2885 / 726
Instrument Date	Jul 16, 2026
Instrument	202626006769
Transaction Type	Mortgage
Record Updated	Aug 3, 2026
Title Company	TITLE 24 LLC, TITLESYNC LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 SHADY REST RD, MORGANTON, NC 28655-4642

Mortgage

Document Number	0026006769,
Date	Jul 21, 2026
Book Page	2885/726
Instrument	202626006769

Lender

Name	LENDING JD

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 29, 2024
Property Address	404 SHADY REST RD, MORGANTON, NC 28655-4642
Document Number	0027310505
Book / Page	2731 / 505
Map Reference	MB 1 PG 22
Instrument Date	Feb 29, 2024
Instrument	2024001667
Transaction Type	Transfer
Record Updated	Mar 13, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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
Address	404 SHADY REST RD, MORGANTON, NC 28655-4642

Mortgage

Document Number	2024001668
Date	Feb 29, 2024
Instrument	2024001668

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Feb 29, 2024
Property Address	404 SHADY REST RD, MORGANTON, NC 28655-4642
Document Number	0027310505
Book / Page	2731 / 505
Map Reference	MB 1 PG 22
Instrument Date	Feb 29, 2024
Instrument	2024001667
Transaction Type	Transfer
Record Updated	Mar 13, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360.00
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
Address	404 SHADY REST RD, MORGANTON, NC 28655-4642

Mortgage

Document Number	2024001668
Date	Feb 29, 2024
Instrument	2024001668

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 404 Shady Rest Rd was $652, up 0.8% 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	Morganton City
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$652.00 (+0.77%)	$99,232 (-) Land $17,685 Building $81,547	$99,232 (-) Land $17,685 Building $81,547
2025	$647.00	$99,232 Land $17,685 Building $81,547	$99,232 Land $17,685 Building $81,547
2023	$645.00	$99,573 Land $17,685 Building $81,888	$99,573 Land $17,685 Building $81,888

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

Flood

FEMA maps place 404 Shady Rest Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims 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 Claims	6 (2004–2024)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 4 claims

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 404 Shady Rest Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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	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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Verizon.

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