4498 Cobb Ave, Morganton, NC 28655 Property Records

Burke County property record for 4498 Cobb Ave, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,056 sqft · built 1989
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Jun 2023)
Tax Bill	$1,266 (2026)
Deeds & Mortgages	May 2021 Sale & Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1764368981`

Property Details

APN / Parcel Number

Primary APN	`1764368981`
Alternative APN	`3322`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Flooring	Tile

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	105 sqft
Deck Area	288 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	4498 COBB AVE
City	MORGANTON
State	NC
Zip	28655-6656
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	4498 COBB AVE MORGANTON, NC 28655
Legal Subdivision	LINVILLE LAKE ACRES
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2010
Census Tract	20203

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	Company Name on Record
Mailing Address	2078 LAUREL RIDGE CT, MORGANTON, NC 28655-5818
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST COMMUNITY BANK
Jun 2, 2023	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2023 · Amount on Record
Deed Sale	Jun 2, 2023 · Amount on Record
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	20234948
Deed Book / Page	2687 / 670
Prior Transfer Date	May 22, 2012
Prior Transfer Doc	0020850667
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 20, 2021
Property Address	4498 COBB AVE, MORGANTON, NC 28655-6656
Document Number	0025420411
Book / Page	2542 / 411
Map Reference	MB 4 PG 97
Instrument Date	May 19, 2021
Instrument	2021005907
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$346.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	416 OLD CROWS RD, BANNER ELK, NC 28604-7503

Mortgage

Document Number	2021005908
Date	May 20, 2021
Instrument	2021005908

Lender

Name	FIRST COMMUNITY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 2, 2023
Property Address	4498 COBB AVE, MORGANTON, NC 28655-6656
Document Number	0026870670
Book / Page	2687 / 670
Map Reference	MB 4 PG 97
Instrument Date	May 19, 2021
Instrument	2023004948
Transaction Type	Transfer
Record Updated	Jun 16, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2078 LAUREL RIDGE CT, MORGANTON, NC 28655-5818

Mortgage

Document Number	2023004949
Date	Jun 2, 2023
Instrument	2023004949

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2038

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	$1,266.00 (+0.4%)	$178,491 (-) Land $18,600 Building $159,891	$178,491 (-) Land $18,600 Building $159,891
2025	$1,261.00 (-0.39%)	$178,491 (-) Land $18,600 Building $159,891	$178,491 (-) Land $18,600 Building $159,891
2023	$1,266.00	$178,491 Land $18,600 Building $159,891	$178,491 Land $18,600 Building $159,891

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (2024)
Claims Outside the SFHA	2 of 6
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 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 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.

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 63 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T.

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