Burke County property record for 405 North St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,115 sqft · built 1949 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $970 (2026) |
| Deeds & Mortgages | Oct 2025 Line of Credit Dec 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 2704402303 |
| Primary APN | 2704402303 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,115 sqft Living Area |
| 1st Floor Area | 1,151 sqft |
| Basement Area | 1,015 sqft |
| Unfinished Basement | 1,015 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Conventional |
| Exterior Material | Brick Veneer |
| Foundation Type | Masonry |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Porch | Slab |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 116 sqft |
| Patio Area | 116 sqft |
| Shed | 1 Shed |
| Shed Area | 112 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 405 NORTH ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-2811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOW INTENS |
| Legal Description | 405 NORTH ST MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 20600 |
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 | 405 NORTH ST, MORGANTON, NC 28655-2811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Dec 28, 2022 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Jan 20, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Nov 13, 2024 |
| Transfer Doc | 0027780472 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 405 NORTH ST, MORGANTON, NC 28655-2811 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0028350440 |
|---|---|
| Date | Oct 27, 2025 |
| Book Page | 2835/440 |
| Instrument | 2025008898 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 405 NORTH ST, MORGANTON, NC 28655-2811 |
| Transaction Type | Mortgage |
| Record Updated | Jan 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0026630156 |
|---|---|
| Date | Dec 28, 2022 |
| Book Page | 2663/156 |
| Instrument | 2021029198 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 405 NORTH ST, MORGANTON, NC 28655-2811 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0025980889 |
|---|---|
| Date | Jan 20, 2022 |
| Book Page | 2598/889 |
| Instrument | 2022016434 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Burke County assessment roll, as of October 12, 2026
| 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 |
|---|---|---|---|
| 2026 | $970.00 (+0.52%) | $156,562 (-) Land $8,938 Building $147,624 | $156,562 (-) Land $8,938 Building $147,624 |
| 2025 | $965.00 (+0.1%) | $156,562 (-) Land $8,938 Building $147,624 | $156,562 (-) Land $8,938 Building $147,624 |
| 2023 | $964.00 | $156,562 Land $8,938 Building $147,624 | $156,562 Land $8,938 Building $147,624 |
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 | 2 (1994–2004) |
| Claims Outside the SFHA | 2 of 2 |
| 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.
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 | 0.01% 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 350 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Compas X-Stream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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