4434 Petche Gap Dr, Morganton, NC 28655 Property Records

Burke County property record for 4434 Petche Gap Dr, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,218 sqft · built 2022
Lot Size	8.22 acres (358,063 sqft)
Owner	Individual Name on File
Last Sale	$20,000 (Sep 2018)
Tax Bill	$3,435 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`2722025062`

Property Details

APN / Parcel Number

Primary APN	`2722025062`
Alternative APN	`46676`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	2,218 sqft Living Area
Basement Area	1,582 sqft
Unfinished Basement	1,582 sqft
Flooring	Wood

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Stone
Roof Material	Asphalt
Lot Area	358,063 sqft (8.22 acres)
Porch	Slab
Deck Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4434 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	4434 PETCHE GAP RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2011
Census Tract	21201

Owner

4434 Petche Gap Dr is owned and occupied by an individual who acquired it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	4434 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
Jul 15, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
May 3, 2023	Intrafamily Transfer, Transfer
Mar 20, 2020	Loan Modification, Mortgage MORGANTON SVGS BK SSB
Nov 26, 2018	Deed of Trust, Mortgage MORGANTON SVGS BK SSB
Sep 25, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on File
Deed Sale	Sep 25, 2018 · Amount on File
Deed Document Number	20182017020316
Deed Book / Page	2368 / 66
Last Transfer Date	Apr 28, 2023
Transfer Doc	0026820207
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Jul 15, 2026
Property Address	4434 PETCHE GAP DR, MORGANTON, NC 28655-5794
Document Number	0026006589
Book / Page	2884 / 872
Instrument Date	Jul 9, 2026
Instrument	202626006589
Transaction Type	Mortgage
Record Updated	Jul 30, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4434 PETCHE GAP DR, MORGANTON, NC 28655-5794

Mortgage

Document Number	0026006589,
Date	Jul 15, 2026
Book Page	2884/872
Instrument	202626006589

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.52%
Max Rate	-1%

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	May 3, 2023
Property Address	4434 PETCHE GAP DR, MORGANTON, NC 28655-5794
Document Number	0026820207
Book / Page	2682 / 207
Instrument Date	Apr 28, 2023
Instrument	2023003859
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3759 LAUREL HEIGHTS DR, MORGANTON, NC 28655-8328

March 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BURKE NC
Property Address	3759 LAUREL HEIGHTS DR, MORGANTON, NC 28655-8328
Document Number	0024550386
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3757 LAUREL HEIGHTS DR MORGANTON NC 286558328, MORGANTON, NC 28655-8328

Mortgage

Document Number	0024550386
Date	Mar 23, 2020
Book Page	002455/000386
Instrument	38521

Lender

Name	MORGANTON SVGS BK SSB
Address	MORGANTON, NC 28680-1509

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 22, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	3759 LAUREL HEIGHTS DR, MORGANTON, NC 28655-8328
Document Number	0023770234
Instrument Date	Nov 26, 2018
Transaction Type	Mortgage
Record Updated	May 5, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3757 LAUREL HEIGHTS DR MORGANTON NC 286558328, MORGANTON, NC 28655-8328

Mortgage

Document Number	0023770234
Date	Nov 27, 2018
Book Page	002377/000234
Instrument	22312

Lender

Name	MORGANTON SVGS BK SSB
Address	MORGANTON, NC 28680-1509

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 26, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Sep 25, 2018
Property Address	3759 LAUREL HEIGHTS DR, MORGANTON, NC 28655-8328
Document Number	0023680066
Book / Page	002368 / 000066
Instrument Date	Sep 20, 2018
Instrument	20316
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$40.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3757 LAUREL HEIGHTS DR MORGANTON NC 286558328, MORGANTON, NC 28655-8328

Tax Assessment & Valuation

The 2026 property tax bill for 4434 Petche Gap Dr was $3,435, 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	$3,435.00 (+0.15%)	$509,681 (-) Land $37,644 Building $472,037	$509,681 (-) Land $37,644 Building $472,037
2025	$3,430.00	$509,681 Land $37,644 Building $472,037	$509,681 Land $37,644 Building $472,037
2023	$325.00	$175,003 Land $37,644 Building $137,359	$175,003 Land $37,644 Building $137,359

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

Flood

FEMA maps place 4434 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 4434 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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