445 Old NC 18, Morganton, NC 28655 Property Records

Burke County property record for 445 Old NC 18, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,105 sqft · built 1933
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (May 2021)
Tax Bill	$664 (2026)
Deeds & Mortgages	May 2019 Mortgage May 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`2702971627`

Property Details

APN / Parcel Number

Primary APN	`2702971627`
Alternative APN	`842`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,105 sqft Living Area
1st Floor Area	1,105 sqft
Flooring	Wood

Exterior

Year Built	Built 1933
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	231 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	445 OLD NC 18
City	MORGANTON
State	NC
Zip	28655-9476
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	445 OLD NC 18 MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2018
Census Tract	21400

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	Individual Name on Record
Mailing Address	445 OLD NC 18, MORGANTON, NC 28655-9476
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage FORT FINANCIAL CU
May 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Deed Document Number	20215185
Deed Book / Page	2538 / 714
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	445 OLD NC 18, MORGANTON, NC 28655-9476
Transaction Type	Mortgage
Record Updated	Dec 28, 2021
Title Company	LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024030580
Date	May 20, 2019
Book Page	2403/0580
Instrument	2017027964

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	FORT WAYNE, IN 46808

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 4, 2021
Property Address	445 OLD NC 18, MORGANTON, NC 28655-9476
Document Number	0025380714
Book / Page	2538 / 714
Instrument Date	May 4, 2021
Instrument	2021005185
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Amount	Amount Recorded
Tax	$160.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	445 OLD NC 18, MORGANTON, NC 28655-9476

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	$664.00 (+0.76%)	$101,268 (-) Land $13,000 Building $88,268	$101,268 (-) Land $13,000 Building $88,268
2025	$659.00 (+0.61%)	$101,268 (-) Land $13,000 Building $88,268	$101,268 (-) Land $13,000 Building $88,268
2023	$655.00	$101,268 Land $13,000 Building $88,268	$101,268 Land $13,000 Building $88,268

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	6 (2004–2024)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Frances, Sep 2004 · 4 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL in parts of the area	100 / 20

May also be available: Compas X-Stream, Verizon.

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