4254 Cross Dr, Morganton, NC 28655 Property Records

Burke County property record for 4254 Cross Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 776 sqft · built 1924
Lot Size	43.1 acres (1,877,436 sqft)
Owner	2 Individual Names on Record
Tax Bill	$493 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`2730327269`

Property Details

APN / Parcel Number

Primary APN	`2730327269`
Alternative APN	`21415`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	776 sqft Living Area
1st Floor Area	776 sqft

Exterior

Year Built	Built 1924
Effective Year Built	Effective 1940
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Raised
Roof Material	Metal
Lot Area	1,877,436 sqft (43.1 acres)
Porch	Slab
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4254 CROSS DR
City	MORGANTON
State	NC
Zip	28655-9826
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	PUV
Jurisdiction	BURKE NC
Township / Civil Division	LOWER FORK
Census Block Group	1
Census Block	1017
Census Tract	21203

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	1400 S STERLING ST, MORGANTON, NC 28655-4035
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jun 27, 2019	Deed of Trust, Mortgage · Line of Credit MFSL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4254 CROSS DR, MORGANTON, NC 28655-9826
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024960871
Date	Oct 26, 2020
Book Page	2496/871
Instrument	2017046253

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4254 CROSS DR, MORGANTON, NC 28655-9826
Document Number	0024110015
Instrument Date	Jun 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 S STERLING ST MORGANTON NC 286554035, MORGANTON, NC 28655-4035

Mortgage

Document Number	0024110015
Date	Jun 27, 2019
Book Page	002411/000015
Instrument	29442

Lender

Name	MFSL SERVICES INC
Address	PO BOX 1509, MORGANTON, NC 28680-1509

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	84 Months
Due	Jun 26, 2026

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

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
2026	$493.00 (+1.02%)	$198,039 (-) Land $179,400 Building $18,639	$198,039 (-) Land $179,400 Building $18,639
2025	$488.00 (+0.21%)	$198,039 (-) Land $179,400 Building $18,639	$198,039 (-) Land $179,400 Building $18,639
2023	$487.00	$198,039 Land $179,400 Building $18,639	$198,039 Land $179,400 Building $18,639

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 66% of the US · above 46% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Cross Dr

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