604 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 604 W Union St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,591 sqft · built 1815
Lot Size	1.49 acres (64,904 sqft)
Owner	2 Individual Names on File
Last Sale	$770,000 (Oct 2022)
Tax Bill	$2,244 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Mar 2026 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1793955013`

Property Details

APN / Parcel Number

Primary APN	`1793955013`
Alternative APN	`4663`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,591 sqft Living Area
1st Floor Area	3,175 sqft
Basement Area	142 sqft
Unfinished Basement	142 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1815
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	64,904 sqft (1.49 acres)
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Area	800 sqft
Porch	Slab
Porch Area	614 sqft
Shed	1 Shed
Shed Area	152 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	604 W UNION ST
City	MORGANTON
State	NC
Zip	28655-4308
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	604 W UNION ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2013
Census Tract	20500

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the West Union Street Historic District listed 1987 · 59 contributing resources · NRIS 87001931
Individually Listed	Mountain View listed 1984 · 1 contributing resources · NRIS 84000076

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

604 W Union St is owned and occupied by two individuals who bought it in October 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	604 W UNION ST, MORGANTON, NC 28655-4308
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 JPMORGAN CHASE BANK
Mar 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Oct 21, 2022	Warranty Deed, Transfer · Commercial Mortgage KENNETH ROTENSTREICH
Oct 27, 2020	Deed of Trust, Mortgage · FHA Mortgage FIRST CITIZENS BK & TR CO
Jun 15, 2018	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 18, 2017	Warranty Deed, Transfer MORGANTON SVGS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 21, 2022 · Amount on File
Deed Sale	Oct 21, 2022 · Amount on File
Prior Sale	Jun 15, 2018 · Amount on File
Deed Document Number	202221027069
Deed Book / Page	2652 / 404
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	604 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0000009501
Book / Page	2901 / 379
Instrument Date	Sep 30, 2026
Instrument	20269501
Transaction Type	Mortgage
Record Updated	Oct 22, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W UNION ST, MORGANTON, NC 28655-4308

Mortgage

Document Number	0000009501,
Date	Oct 5, 2026
Book Page	2901/379
Instrument	20269501

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 20, 2056

Interest

Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	604 W UNION ST, MORGANTON, NC 28655-4308
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W UNION ST, MORGANTON, NC 28655-4308

Mortgage

Document Number	0028600693
Date	Mar 18, 2026
Book Page	2860/693
Instrument	2026002306

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	ELGIN, IL 60124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	SOFR Average 30-Day
Max Rate	10.7%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 21, 2022
Property Address	604 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0026520404
Book / Page	2652 / 404
Instrument Date	Oct 21, 2022
Instrument	2021027069
Transaction Type	Transfer
Record Updated	Oct 27, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,540.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2032 POCAHONTAS PL, 2032, CONNELLY SPRINGS, NC 28612-8609

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W UNION ST, MORGANTON, NC 28655-4308

Mortgage

Document Number	2021027070
Date	Oct 21, 2022
Instrument	2021027070

Lender

Name	KENNETH ROTENSTREICH
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	604 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0024980488
Instrument Date	Oct 27, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 W UNION ST MORGANTON NC 286554308, MORGANTON, NC 28655-4308

Mortgage

Document Number	0024980488
Date	Nov 2, 2020
Book Page	002498/000488
Instrument	46531

Lender

Name	FIRST CITIZENS BK & TR CO
Address	COLUMBIA, SC 29211

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2035

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 15, 2018
Property Address	604 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0023520344
Book / Page	2352 / 0344
Map Reference	MB873 PG1396
Instrument Date	Jun 13, 2018
Instrument	2018016993
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 W UNION ST, MORGANTON, NC 28655-4308

Mortgage

Document Number	2018016994
Date	Jun 15, 2018
Instrument	2018016994

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 18, 2017
Property Address	604 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0023160564
Book / Page	002316 / 000564
Instrument Date	Oct 18, 2017
Instrument	9376
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,098.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 W UNION ST MORGANTON NC 286554308, MORGANTON, NC 28655-4308

Mortgage

Document Number	23160567
Date	Oct 18, 2017
Book Page	002316/000567
Instrument	9377

Lender

Name	MORGANTON SVGS BK
Address	MORGANTON, NC 28680-1509

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 604 W Union St was $2,244, up 0.2% 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	$2,244.00 (+0.22%)	$772,222 (-) Land $72,970 Building $699,252	$772,222 (-) Land $72,970 Building $699,252
2025	$2,239.00	$772,222 Land $72,970 Building $699,252	$772,222 Land $72,970 Building $699,252
2023	$2,248.00	$771,722 Land $72,970 Building $698,752	$771,722 Land $72,970 Building $698,752

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

Flood

FEMA maps place 604 W Union St in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1994.

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	8 in force
Nearby Flood Claims	14 (1994–2024)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 6 claims Tropical Storm Frances, Sep 2004 · 5 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 604 W Union St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	Under 0.01% 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 210 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Spectrum, Verizon.

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