521 W Main St, Morganton, NC 28655 Property Records

Burke County property record for 521 W Main St, Morganton, NC 28655

Property Summary

Property Type	Other Improved
Details	1 ba · 2,400 sqft · built 1961
Lot Size	0.92 acres (40,075 sqft)
Owner	Company Name on File
Last Sale	$190,000 (Jun 2023)
Tax Bill	$1,006 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1772390827`

Property Details

APN / Parcel Number

Primary APN	`1772390827`
Alternative APN	`3690`

Interior

Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,400 sqft Total Area

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Concrete Block
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	40,075 sqft (0.92 acres)
Porch	Slab

Location & Zoning

Street Address	521 W MAIN ST
City	MORGANTON
State	NC
Zip	28655-0019
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	GENERAL BU
Legal Description	521 W MAIN ST MORGANTON, NC 28655
Legal Subdivision	CONTAINING A TOTAL OF 1
Jurisdiction	BURKE NC
Township / Civil Division	SILVER CREEK
Census Block Group	3
Census Block	3008
Census Tract	20301

Owner

521 W Main St is owned by a company that acquired it in October 2023.

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	Company Name on File
Mailing Address	295 3RD ST, BEAVER, PA 15009-2365
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2023	Deed of Trust, Mortgage LAUREL CAPITAL CORPORATION
Oct 30, 2023	Correction Deed
Jun 30, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2023 · Amount on File
Deed Sale	Jun 30, 2023 · Amount on File
Deed Document Number	202323006051
Deed Book / Page	2693 / 312
Last Transfer Date	Oct 27, 2023
Transfer Doc	0027130496
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	521 W MAIN ST, MORGANTON, NC 28655-0019
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027150946
Date	Nov 13, 2023
Book Page	2715/946
Instrument	2023010538

Lender

Name	LAUREL CAPITAL CORPORATION
Type	Non-Lending Institution
Address	WEXFORD, PA 15090

Agreement

Amount	Amount on Record
Term	60 Months
Due	Nov 10, 2028

October 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	BURKE NC
Recording Date	Oct 30, 2023
Property Address	521 W MAIN ST, MORGANTON, NC 28655-0019
Document Number	0027130496
Book / Page	2713 / 496
Map Reference	MB 44 PG 127
Instrument Date	Oct 27, 2023
Instrument	2023010043
Record Updated	Jan 13, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 PEA RIDGE ST, MORGANTON, NC 28655-9278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 SHARON RD, BEAVER, PA 15009-3148

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 30, 2023
Property Address	521 W MAIN ST, MORGANTON, NC 28655-0019
Document Number	0026930312
Book / Page	2693 / 312
Map Reference	MB 44 PG 1
Instrument Date	Jun 30, 2023
Instrument	2023006051
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

Amount	Amount on Record
Tax	$380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	301 PEA RIDGE ST, MORGANTON, NC 28655-9278

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1200 SHARON RD, BEAVER, PA 15009-3148

Tax Assessment & Valuation

The 2026 property tax bill for 521 W Main St was $1,006.

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Municipality	Glen Alpine Town
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,006.00	$123,479 (-) Land $33,590 Building $89,889	$123,479 (-) Land $33,590 Building $89,889
2025	$1,006.00	$123,479 Land $33,590 Building $89,889	$123,479 Land $33,590 Building $89,889
2023	$954.00 (+22.15%)	$112,294 (+48.69%) Land $33,590 Building $78,704	$112,294 (+48.69%) Land $33,590 Building $78,704
2022	$781.00	$75,521 Land $33,791 Building $41,730	$75,521 Land $33,791 Building $41,730

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 521 W Main St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2013.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2013–2024)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Sep 2024 · Tropical Storm Helene

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

Wildfire risk around 521 W Main St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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