Burke County property record for 407 W Union St, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,738 sqft · built 1901 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,179 (2026) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 2703059116 |
| Primary APN | 2703059116 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 3,738 sqft Living Area |
| 1st Floor Area | 1,327 sqft |
| Basement Area | 2,163 sqft |
| Unfinished Basement | 2,163 sqft |
| Flooring | Wood |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1901 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Masonry |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 29,621 sqft (0.68 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Patio |
| Porch Area | 688 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Street Address | 407 W UNION ST |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-4303 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | LOW INTENS |
| Legal Description | 407 W UNION ST MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | MORGANTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 21400 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the West Union Street Historic District listed 1987 · 59 contributing resources · NRIS 87001931 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
407 W Union St is owned and occupied by an individual.
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 W UNION ST, MORGANTON, NC 28655-4303 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 407 W UNION ST, MORGANTON, NC 28655-4303 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0024720473 |
|---|---|
| Date | Jun 26, 2020 |
| Book Page | 2472/473 |
| Instrument | 2017041716 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Jul 1, 2030 |
The 2026 property tax bill for 407 W Union St was $3,179, up 0.2% from the year before.
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 | $3,179.00 (+0.16%) | $554,461 (-) Land $151,542 Building $402,919 | $554,461 (-) Land $151,542 Building $402,919 |
| 2025 | $3,174.00 | $554,461 Land $151,542 Building $402,919 | $554,461 Land $151,542 Building $402,919 |
| 2023 | $3,192.00 | $554,461 Land $151,542 Building $402,919 | $554,461 Land $151,542 Building $402,919 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 407 W Union St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.
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 | 2 (2024) |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Claims by Event |
|
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 risk around 407 W Union St is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 97.4% of North Carolina |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 216 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 |
| Compas X-Stream Cable · Fiber in parts of the area | 1,000 / 50 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Spectrum, Verizon.
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