4850 Windy Ridge Rd, Morganton, NC 28655 Property Records

Burke County property record for 4850 Windy Ridge Rd, Morganton, NC 28655

Property Summary

Property Type	Vacant Land
Lot Size	1.89 acres (82,328 sqft)
Owner	2 Company Names on Record
Tax Bill	$130 (2026)
Deeds & Mortgages	Apr 2026 Sale Sep 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1659594143`

Property Details

APN / Parcel Number

Primary APN	`1659594143`
Alternative APN	`51508`

Exterior

Lot Area	82,328 sqft (1.89 acres)

Utilities, Heating & Cooling

Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	4850 WINDY RIDGE RD
City	MORGANTON
State	NC
Zip	28655-7779
Property Category	Vacant Land
Property Type	Vacant Land > Uncategorized
Local Zoning Code	RURAL MIXE
Legal Description	WINDY RIDGE RD MORGANTON, NC 28655
Legal Subdivision	PROPERTY OF JACK R POTEET
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	2
Census Block	2026
Census Tract	20304

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	2318 WARRIOR FORK TRL, MORGANTON, NC 28655-6654
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Sep 16, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Sep 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU
Dec 15, 2017	Deed of Trust, Mortgage LGFCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 15, 2014
Transfer Doc	0021660928
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 2, 2026
Property Address	4850 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Document Number	0026002865
Book / Page	2864 / 43
Instrument Date	Mar 31, 2026
Instrument	202626002865
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2318 WARRIOR FORK TRL, MORGANTON, NC 28655-6654
Investor	Possibly a Property Investor

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4850 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Transaction Type	Mortgage
Record Updated	Sep 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 WINDY RIDGE RD, MORGANTON, NC 28655-7779

Mortgage

Document Number	0028270503
Date	Sep 16, 2025
Book Page	2827/503
Instrument	2025007420

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2045

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	COF
Max Rate	11.5%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4850 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024880533
Date	Sep 16, 2020
Book Page	2488/533
Instrument	2017044732

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	4850 WINDY RIDGE RD, MORGANTON, NC 28655-7779
Document Number	0023260455
Book / Page	002326 / 000455
Instrument Date	Dec 15, 2017
Transaction Type	Mortgage
Record Updated	Jan 17, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4850 WINDY RIDGE RD MORGANTON NC 286557779, MORGANTON, NC 28655-7779

Mortgage

Document Number	0023260455
Date	Dec 21, 2017
Book Page	002326/000455
Instrument	11413

Lender

Name	LGFCU
Type	Credit Union
Address	RALEIGH, NC 27611-5279

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Dec 20, 2032

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	$130.00 (+2.36%)	$19,617 (-) Land $19,617	$19,617 (-) Land $19,617
2025	$127.00 (-0.78%)	$19,617 (-) Land $19,617	$19,617 (-) Land $19,617
2023	$128.00	$19,617 Land $19,617	$19,617 Land $19,617

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Spectrum Cable · Fiber in parts of the area	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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