4528 Cobb Ave, Morganton, NC 28655 Property Records

Burke County property record for 4528 Cobb Ave, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,454 sqft · built 1954
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$49,000 (Jan 2013)
Tax Bill	$751 (2025)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2021 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1764369875`

Property Details

APN / Parcel Number

Primary APN	`1764369875`
Alternative APN	`28508`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,454 sqft Living Area
1st Floor Area	1,350 sqft
Basement Area	675 sqft
Unfinished Basement	675 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1960
Architectural Style	Conventional
Construction Type	Frame
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Patio Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4528 COBB AVE
City	MORGANTON
State	NC
Zip	28655-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	4528 COBB AVE MORGANTON, NC 28655
Legal Subdivision	GREAT LAKES ATHLETIC ASSOCIATION INC
Jurisdiction	BURKE NC
Township / Civil Division	LINVILLE
Census Block Group	2
Census Block	2010
Census Tract	20203

Owner

Source: Burke County records, as of September 25, 2025

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	1002 CANADA DR, DALLAS, NC 28034-6642
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage FORT FINANCIAL CU
Mar 3, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FORT FINANCIAL CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 10, 2013 · Amount on Record
Deed Sale	Jan 10, 2013 · Amount on Record
Deed Document Number	2013286
Deed Book / Page	2065 / 796
Prior Transfer Date	Aug 13, 2009
Prior Transfer Doc	0018600225
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4528 COBB AVE, MORGANTON, NC 28655-9548
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 COBB AVE, MORGANTON, NC 28655-9548

Mortgage

Document Number	0026720421
Date	Mar 8, 2023
Book Page	2672/421
Instrument	2023001915

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	GASTONIA, NC 28054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 21, 2028

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4528 COBB AVE, MORGANTON, NC 28655-9548
Transaction Type	Mortgage
Record Updated	Oct 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4528 COBB AVE, MORGANTON, NC 28655-9548

Mortgage

Document Number	0025230265
Date	Mar 3, 2021
Book Page	2523/265
Instrument	2021002367

Lender

Name	FORT FINANCIAL CU
Type	Credit Union
Address	GASTONIA, NC 28054

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Feb 18, 2026

Tax Assessment & Valuation

Source: Burke County assessment roll, as of September 25, 2025

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
2025	$751.00 (-0.13%)	$100,676 (-) Land $28,200 Building $72,476	$100,676 (-) Land $28,200 Building $72,476
2023	$752.00	$100,676 Land $28,200 Building $72,476	$100,676 Land $28,200 Building $72,476

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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