605 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 605 W Union St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 4,604 sqft · built 1951
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on Record
Last Sale	$735,000 (Jun 2022)
Tax Bill	$4,083 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Jan 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1793945772`

Property Details

APN / Parcel Number

Primary APN	`1793945772`
Alternative APN	`4795`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	14 Rooms
Stories	2 Stories
Building Area	4,604 sqft Living Area
1st Floor Area	1,670 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 1990
Architectural Style	Other
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)

Exterior Amenities

Pool Area	480 sqft
Porch	Slab
Porch Area	747 sqft
Deck Area	225 sqft
Patio Area	421 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	605 W UNION ST
City	MORGANTON
State	NC
Zip	28655-4307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LOW INTENS
Legal Description	605 W UNION ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1021
Census Tract	21400

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

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

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 Individual Names on Record
Mailing Address	605 W UNION ST, MORGANTON, NC 28655-4307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTH STATE BANK NA
Jan 18, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2022 · Amount on Record
Deed Sale	Jun 15, 2022 · Amount on Record
Prior Sale	Jan 14, 2011
Deed Document Number	202221022354
Deed Book / Page	2629 / 217
Record Updated	Oct 29, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 15, 2022
Property Address	605 W UNION ST, MORGANTON, NC 28655-4307
Document Number	0026290217
Book / Page	2629 / 217
Instrument Date	Jun 3, 2022
Instrument	2021022354
Transaction Type	Transfer
Record Updated	Jun 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,470.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3148, MORGANTON, NC 28680-3148

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 W UNION ST, MORGANTON, NC 28655-4307

Mortgage

Document Number	2021022355
Date	Jun 15, 2022
Instrument	2021022355

Lender

Name	SOUTH STATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2032
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	8.62%
Index	1-Year CMT
Max Rate	8.62%

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	605 W UNION ST, MORGANTON, NC 28655-4307
Document Number	0022760002
Instrument Date	Jan 18, 2017
Transaction Type	Mortgage
Record Updated	Aug 16, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 W UNION ST MORGANTON NC 286554307, MORGANTON, NC 28655-4307

Mortgage

Document Number	0022760002
Date	Jan 25, 2017
Book Page	002276/000002
Instrument	691

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4,083.00 (+0.12%)	$717,350 (-) Land $150,431 Building $566,919	$717,350 (-) Land $150,431 Building $566,919
2025	$4,078.00 (-0.66%)	$717,350 (-) Land $150,431 Building $566,919	$717,350 (-) Land $150,431 Building $566,919
2023	$4,105.00	$717,350 Land $150,431 Building $566,919	$717,350 Land $150,431 Building $566,919

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 · 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	4 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

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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