4424 Petche Gap Dr, Morganton, NC 28655 Property Records

Burke County property record for 4424 Petche Gap Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,170 sqft · built 2019
Lot Size	8 acres (348,480 sqft)
Owner	Individual Name on File
Last Sale	$785,000 (Nov 2023)
Tax Bill	$3,830 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2722027525`

Property Details

APN / Parcel Number

Primary APN	`2722027525`
Alternative APN	`64775`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	3,170 sqft Living Area
Flooring	Wood

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Wood Siding
Foundation Type	Block
Roof Material	Asphalt
Lot Area	348,480 sqft (8 acres)

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	300 sqft
Patio Area	492 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	4424 PETCHE GAP DR
City	MORGANTON
State	NC
Zip	28655-5794
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LO1 PL55-20
Legal Subdivision	CONTAINING 8
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2011
Census Tract	21201

Owner

4424 Petche Gap Dr is owned and occupied by an individual who bought it in November 2023.

Source: Burke County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	4424 PETCHE GAP DR, MORGANTON, NC 28655-5794
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Nov 20, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2023 · Amount on File
Deed Sale	Nov 20, 2023 · Amount on File
Prior Sale	Jan 21, 2022 · Amount on File
Deed Document Number	202323010807
Deed Book / Page	2717 / 208
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4424 PETCHE GAP DR, MORGANTON, NC 28655-5794
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4424 PETCHE GAP DR, MORGANTON, NC 28655-5794

Mortgage

Document Number	0028250255
Date	Sep 4, 2025
Book Page	2825/255
Instrument	2025007042

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.2%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Nov 20, 2023
Property Address	4424 PETCHE GAP DR, MORGANTON, NC 28655-5794
Document Number	0027170208
Book / Page	2717 / 208
Map Reference	MB 55 PG 20
Instrument Date	Nov 20, 2023
Instrument	2023010807
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1187, MORGANTON, NC 28680-1187

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3757 LAUREL HEIGHTS DR, MORGANTON, NC 28655-8328

Mortgage

Document Number	2023010808
Date	Nov 20, 2023
Instrument	2023010808

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 4424 Petche Gap Dr was $3,830, up 0.1% from the year before.

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	$3,830.00 (+0.13%)	$569,945 (-) Land $35,513 Building $534,432	$569,945 (-) Land $35,513 Building $534,432
2025	$3,825.00	$569,945 Land $35,513 Building $534,432	$569,945 Land $35,513 Building $534,432

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

Flood

FEMA maps place 4424 Petche Gap Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4424 Petche Gap Dr is low, with a 0.04% annual chance of 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Carolina West Wireless Fixed Wireless	25 / 3
AT&T DSL · Fixed Wireless in parts of the area	10 / 1

May also be available: Spectrum.

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