4409 Willowood Dr, Morganton, NC 28655 Property Records

Burke County property record for 4409 Willowood Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,846 sqft · built 1997
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,000 (Oct 2017)
Tax Bill	$1,394 (2026)
Deeds & Mortgages	Aug 2023 Line of Credit Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1760598393`

Property Details

APN / Parcel Number

Primary APN	`1760598393`
Alternative APN	`50388`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,846 sqft Living Area
1st Floor Area	1,326 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Flooring	Tile

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Porch	Slab
Deck Area	240 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4409 WILLOWOOD DR
City	MORGANTON
State	NC
Zip	28655-8049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	4409 WILLOWOOD DR MORGANTON, NC 28655
Legal Subdivision	WILLOW SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	3
Census Block	3008
Census Tract	20303

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	4409 WILLOWOOD DR, MORGANTON, NC 28655-8049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 25, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2017 · Amount on Record
Deed Sale	Oct 25, 2017 · Amount on Record
Prior Sale	Dec 14, 2012 · Amount on Record
Deed Document Number	20179581
Deed Book / Page	2317 / 552
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4409 WILLOWOOD DR, MORGANTON, NC 28655-8049
Transaction Type	Mortgage
Record Updated	Aug 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027000156
Date	Aug 14, 2023
Book Page	2700/156
Instrument	2023007415

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 25, 2017
Property Address	4409 WILLOWOOD DR, MORGANTON, NC 28655-8049
Document Number	0023170552
Book / Page	2317 / 0552
Map Reference	MB12 PG28
Instrument Date	Oct 25, 2017
Instrument	2017009581
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$328.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4409 WILLOWOOD DR, MORGANTON, NC 28655-8049

Mortgage

Document Number	2017009582
Date	Oct 25, 2017
Instrument	2017009582

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

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	$1,394.00 (+0.36%)	$196,540 (-) Land $12,920 Building $183,620	$196,540 (-) Land $12,920 Building $183,620
2025	$1,389.00 (+1.83%)	$196,540 (+2.36%) Land $12,920 Building $183,620	$196,540 (+2.36%) Land $12,920 Building $183,620
2023	$1,364.00	$192,009 Land $12,920 Building $179,089	$192,009 Land $12,920 Building $179,089

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 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BRENTWOOD-JAMESTOWN ROAD private · serves 6,035 people · EPA ID NC0112104
Water Source	Purchased surface water from CITY OF MORGANTON
Last State Inspection	Nov 2025
Also Mapped Here	BRENTWOOD WATER ASSOCIATION
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	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 55 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: T-Mobile, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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