415 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 415 W Union St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,251 sqft · built 1921
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Mar 2016)
Tax Bill	$2,463 (2026)
Deeds & Mortgages	Jul 2021 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2703055041`

Property Details

APN / Parcel Number

Primary APN	`2703055041`
Alternative APN	`4350`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,251 sqft Living Area
1st Floor Area	1,790 sqft
Basement Area	1,329 sqft
Finished Basement	461 sqft
Unfinished Basement	1,329 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)

Exterior Amenities

Porch	Slab
Porch Area	449 sqft
Deck Area	320 sqft
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	415 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	415 W UNION ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1020
Census Tract	21400

Historic Designation

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.

Owner

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	415 W UNION ST, MORGANTON, NC 28655-4303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2016 · Amount on Record
Deed Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	20162561
Deed Book / Page	2229 / 665
Prior Transfer Date	Jun 15, 2005
Prior Transfer Doc	0014770190
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	415 W UNION ST, MORGANTON, NC 28655-4303
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025560520
Date	Jul 21, 2021
Book Page	2556/520
Instrument	2021008513

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HICKORY, NC 28601

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	415 W UNION ST, MORGANTON, NC 28655-4303
Transaction Type	Mortgage
Record Updated	Oct 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025560505
Date	Jul 21, 2021
Book Page	2556/505
Instrument	2021008512

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2041

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	415 W UNION ST, MORGANTON, NC 28655-4303
Document Number	0024750118
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	ACCURATE EQUITY GROUP, ACCURATE EQUITY GRP

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 W UNION ST MORGANTON NC 286554303, MORGANTON, NC 28655-4303

Mortgage

Document Number	0024750118
Date	Jul 10, 2020
Book Page	002475/000118
Instrument	42192

Lender

Name	STATE EMPS CU
Address	RALEIGH, NC 27611-5279

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2050

Interest

Rate Type	Adjustable Rate
Rate	3.37%

Tax Assessment & Valuation

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	$2,463.00 (+0.2%)	$425,406 (-) Land $150,431 Building $274,975	$425,406 (-) Land $150,431 Building $274,975
2025	$2,458.00 (-0.49%)	$425,406 (-) Land $150,431 Building $274,975	$425,406 (-) Land $150,431 Building $274,975
2023	$2,470.00	$425,406 Land $150,431 Building $274,975	$425,406 Land $150,431 Building $274,975

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	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

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.

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 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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