523 Ervin Rd, Morganton, NC 28655 Property Records

Burke County property record for 523 Ervin Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,967 sqft · built 1967
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on File
Last Sale	$137,000 (May 2016)
Tax Bill	$1,257 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Jan 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1794905686`

Property Details

APN / Parcel Number

Primary APN	`1794905686`
Alternative APN	`7484`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,967 sqft Living Area
1st Floor Area	827 sqft
Basement Area	552 sqft
Finished Basement	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Brick/Stone
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	36,590 sqft (0.84 acres)
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	45 sqft
Deck Area	190 sqft
Patio Area	18 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	523 ERVIN RD
City	MORGANTON
State	NC
Zip	28655-2517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	523 ERVIN RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1009
Census Tract	20500

Owner

523 Ervin Rd is owned and occupied by two individuals who bought it in May 2016.

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 Individual Names on File
Mailing Address	523 ERVIN RD, MORGANTON, NC 28655-2517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 23, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2016 · Amount on File
Deed Sale	May 4, 2016 · Amount on File
Prior Sale	Oct 31, 2012 · Amount on File
Deed Document Number	20163704
Deed Book / Page	2235 / 132
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	523 ERVIN RD, MORGANTON, NC 28655-2517
Transaction Type	Mortgage
Record Updated	Dec 9, 2021
Title Company	FIRST AMERICAN, FIRST AMERICAN WAY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 ERVIN RD, MORGANTON, NC 28655-2517

Mortgage

Document Number	0025850077
Date	Nov 18, 2021
Book Page	2585/77
Instrument	2021013875

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Feb 1, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	523 ERVIN RD, MORGANTON, NC 28655-2517
Document Number	0023860054
Instrument Date	Jan 23, 2019
Transaction Type	Mortgage
Record Updated	Feb 8, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	523 ERVIN RD MORGANTON NC 286552517, MORGANTON, NC 28655-2517

Mortgage

Document Number	0023860054
Date	Jan 28, 2019
Book Page	002386/000054
Instrument	24172

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 27, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 523 Ervin Rd was $1,257, up 0.4% from the year before.

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Municipality	Morganton City
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,257.00 (+0.4%)	$208,228 (-) Land $32,326 Building $175,902	$208,228 (-) Land $32,326 Building $175,902
2025	$1,252.00	$208,228 Land $32,326 Building $175,902	$208,228 Land $32,326 Building $175,902
2023	$1,254.00	$208,228 Land $32,326 Building $175,902	$208,228 Land $32,326 Building $175,902

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 523 Ervin Rd in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

Wildfire risk around 523 Ervin Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Spectrum.

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