4542 Cobb Ave, Morganton, NC 28655 Property Records

Burke County property record for 4542 Cobb Ave, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,410 sqft · built 1955
Lot Size	0.53 acres (23,087 sqft)
Owner	2 Individual Names on Record
Last Sale	$97,000 (Mar 2017)
Tax Bill	$1,195 (2026)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Mar 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1764461719`

Property Details

APN / Parcel Number

Primary APN	`1764461719`
Alternative APNs	`1764460787` `21899`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,410 sqft Living Area
1st Floor Area	1,410 sqft
Basement Area	1,060 sqft
Unfinished Basement	1,060 sqft
Flooring	Tile
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Block
Roof Material	Asphalt
Lot Area	23,087 sqft (0.53 acres)
Porch	Slab
Deck Area	448 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	4542 COBB AVE
City	MORGANTON
State	NC
Zip	28655-9548
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	4542 COBB AVE MORGANTON, NC 28655
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	2 Individual Names on Record
Mailing Address	109 FRONT PORCH DR, BLACK MOUNTAIN, NC 28711-0419
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2023	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 10, 2017	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU
Mar 10, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2017 · Amount on Record
Deed Sale	Mar 10, 2017 · Amount on Record
Deed Document Number	20172154
Deed Book / Page	2282 / 229
Record Updated	Oct 29, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 16, 2023
Property Address	4542 COBB AVE, MORGANTON, NC 28655-9548
Document Number	0026740124
Book / Page	2674 / 124
Instrument Date	Mar 16, 2023
Instrument	2023002231
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$358.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 BIRCHWOOD DR, MORGANTON, NC 28655-5751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 FRONT PORCH DR, BLACK MOUNTAIN, NC 28711-0419

Mortgage

Document Number	2023002232
Date	Mar 16, 2023
Instrument	2023002232

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 10, 2017
Property Address	4542 COBB AVE, MORGANTON, NC 28655-9548
Document Number	0022820229
Book / Page	2282 / 0229
Map Reference	MB3 PG73
Instrument Date	Mar 1, 2017
Instrument	2017002154
Transaction Type	Transfer
Record Updated	Aug 22, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1431 COVENTRY RD, 1431, CHARLOTTE, NC 28211-2206

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4542 COBB AVE, MORGANTON, NC 28655-9548

Mortgage

Document Number	0022820232
Date	Mar 10, 2017
Book Page	2282/0232
Instrument	2017002155

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	10.2%

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 10, 2017
Property Address	4542 COBB AVE, MORGANTON, NC 28655-9548
Document Number	0022820229
Book / Page	002282 / 000229
Instrument Date	Mar 1, 2017
Instrument	2154
Transaction Type	Transfer
Record Updated	Jul 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$194.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4542 COBB AVE MORGANTON NC 286559548, MORGANTON, NC 28655-9548

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	$1,195.00 (+0.42%)	$167,672 (-) Land $30,227 Building $137,445	$167,672 (-) Land $30,227 Building $137,445
2025	$1,190.00 (+33.41%)	$167,672 (+37.6%) Land $30,227 Building $137,445	$167,672 (+37.6%) Land $30,227 Building $137,445
2023	$892.00	$121,857 Land $30,227 Building $91,630	$121,857 Land $30,227 Building $91,630

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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