5905 Watershed Rd, Morganton, NC 28655 Property Records

Burke County property record for 5905 Watershed Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	6 bd · 1 ba · 1,878 sqft · built 1929
Lot Size	1.28 acres (55,757 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Aug 2021)
Tax Bill	$1,185 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`2710324399`

Property Details

APN / Parcel Number

Primary APN	`2710324399`
Alternative APN	`52693`

Interior

Bedrooms	6 Beds
Full Baths	1 Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,878 sqft Living Area
1st Floor Area	1,252 sqft
Basement Area	125 sqft
Unfinished Basement	125 sqft
Flooring	Tile
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1929
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	55,757 sqft (1.28 acres)

Exterior Amenities

Porch	Slab
Porch Area	480 sqft
Shed	1 Shed
Shed Area	196 sqft
Lean-To	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Water Source	Commercial

Location & Zoning

Street Address	5905 WATERSHED RD
City	MORGANTON
State	NC
Zip	28655-8164
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RURAL MIXE
Legal Description	5905 WATERSHED RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	UPPER FORK
Census Block Group	3
Census Block	3009
Census Tract	21302

Owner

5905 Watershed Rd is owned and occupied by two individuals who bought it in August 2021.

Source: Burke County records, as of October 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5905 WATERSHED RD, MORGANTON, NC 28655-8164
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Aug 11, 2021	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2021 · Amount on File
Deed Sale	Aug 11, 2021 · Amount on File
Prior Sale	Jun 16, 2009
Deed Document Number	20219527
Deed Book / Page	2561 / 858
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Oct 5, 2026
Property Address	5905 WATERSHED RD, MORGANTON, NC 28655-8164
Document Number	0000009511
Book / Page	2901 / 430
Instrument Date	Sep 30, 2026
Instrument	20269511
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 WATERSHED RD, MORGANTON, NC 28655-8164

Mortgage

Document Number	0000009511,
Date	Oct 5, 2026
Book Page	2901/430
Instrument	20269511

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Max Rate	-1%

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Aug 11, 2021
Property Address	5905 WATERSHED RD, MORGANTON, NC 28655-8164
Document Number	0025610858
Book / Page	2561 / 858
Instrument Date	Aug 9, 2021
Instrument	2021009527
Transaction Type	Transfer
Record Updated	Oct 18, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$214.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	115 AMHERST RD, 115, MORGANTON, NC 28655-5308

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 WATERSHED RD, MORGANTON, NC 28655-8164

Mortgage

Document Number	2021009528
Date	Aug 11, 2021
Instrument	2021009528

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2036

Tax Assessment & Valuation

The 2026 property tax bill for 5905 Watershed Rd was $1,185, 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
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,185.00 (+0.42%)	$164,889 (-) Land $22,729 Building $142,160	$164,889 (-) Land $22,729 Building $142,160
2025	$1,180.00	$164,889 Land $22,729 Building $142,160	$164,889 Land $22,729 Building $142,160
2023	$1,184.00	$164,889 Land $22,729 Building $142,160	$164,889 Land $22,729 Building $142,160

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

Flood

FEMA maps place 5905 Watershed Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5905 Watershed Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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	0.05% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BURKE CO. WATER-SOUTH serves 5,207 people · EPA ID NC0112075
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2024
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	None 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Watershed Rd

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