4108 NC 181, Morganton, NC 28655 Property Records

Burke County property record for 4108 NC 181, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,872 sqft · built 1972
Lot Size	1.77 acres (77,101 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jun 2019)
Tax Bill	$1,331 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1776323175`

Property Details

APN / Parcel Number

Primary APN	`1776323175`
Alternative APN	`27466`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,872 sqft Living Area
1st Floor Area	1,088 sqft
Basement Area	532 sqft
Unfinished Basement	532 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1975
Architectural Style	Contemporary
Construction Type	Frame
Roof Material	Asphalt
Lot Area	77,101 sqft (1.77 acres)
Garage Type	Carport
Garage Area	1,320 sqft
Carport	Carport
Carport Area	1,320 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	352 sqft
Deck Area	232 sqft
Patio Area	380 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4108 NC 181
City	MORGANTON
State	NC
Zip	28655-7597
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	4108 NC 181 MORGANTON, NC 28655
Legal Subdivision	TEDDY D HENSLEY & P S HENSLEY
Jurisdiction	BURKE NC
Township / Civil Division	UPPER CREEK
Census Block Group	2
Census Block	2005
Census Tract	20204

Owner

Source: Burke County records, as of May 21, 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	4108 NC 181, MORGANTON, NC 28655-7597
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust · Line of Credit STATE EMPLOYEES CREDIT UNION
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Oct 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 4, 2019	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2019 · Amount on Record
Deed Sale	Jun 4, 2019 · Amount on Record
Deed Document Number	20192017028498
Deed Book / Page	2406 / 474
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 24, 2026
Property Address	4108 NC 181, MORGANTON, NC 28655-7597
Document Number	0000003650
Book / Page	2868 / 418
Instrument Date	Apr 20, 2026
Instrument	2026.3650
Record Updated	May 6, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 NC 181, MORGANTON, NC 28655-7597

Mortgage

Document Number	0000003650,
Date	Apr 24, 2026
Book Page	2868/418
Instrument	2026.3650

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 24, 2026
Property Address	4108 NC 181, MORGANTON, NC 28655-7597
Document Number	0028680418
Book / Page	2868 / 418
Instrument Date	Apr 20, 2026
Instrument	20263650
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 NC 181, MORGANTON, NC 28655-7597

Mortgage

Document Number	0000003650,
Date	Apr 24, 2026
Book Page	2868/418
Instrument	20263650

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.22%
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4108 NC 181, MORGANTON, NC 28655-7597
Transaction Type	Mortgage
Record Updated	Oct 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025760147
Date	Oct 8, 2021
Book Page	2576/147
Instrument	2021012140

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 4, 2019
Property Address	4108 NC 181, MORGANTON, NC 28655-7597
Document Number	0024060474
Book / Page	2406 / 0474
Instrument Date	Jun 3, 2019
Instrument	2017028498
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 331, MORGANTON, NC 28680-0331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 NC 181, MORGANTON, NC 28655-7597

Mortgage

Document Number	2017028499
Date	Jun 4, 2019
Instrument	2017028499

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT

Tax Assessment & Valuation

Source: Burke County assessment roll, as of September 25, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,331.00 (-0.45%)	$195,224 (-) Land $20,647 Building $174,577	$195,224 (-) Land $20,647 Building $174,577
2023	$1,337.00	$195,224 Land $20,647 Building $174,577	$195,224 Land $20,647 Building $174,577

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

Flood

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	1 in force

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

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	0.04% 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
AT&T DSL	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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