610 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 610 W Union St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,656 sqft · built 1994
Lot Size	0.66 acres (28,750 sqft)
Owner	2 Individual Names on File
Last Sale	$485,000 (Jan 2018)
Tax Bill	$3,513 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1793942905`

Property Details

APN / Parcel Number

Primary APN	`1793942905`
Alternative APN	`1119`

Interior

Bedrooms	3 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	4,656 sqft Living Area
1st Floor Area	1,908 sqft
Basement Area	534 sqft
Finished Basement	1,374 sqft
Unfinished Basement	534 sqft
Flooring	Wood
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	28,750 sqft (0.66 acres)
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	143 sqft
Patio Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	610 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	610 W UNION ST MORGANTON, NC 28655
Legal Subdivision	SUSAN E TAYLOR SUBDIVISION
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2013
Census Tract	20500

Owner

610 W Union St is owned and occupied by two individuals who bought it in January 2018.

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	610 W UNION ST, MORGANTON, NC 28655-4308
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage TD BK NA
Jan 25, 2018	Warranty Deed, Transfer · Conventional Mortgage TD BANK N A
Sep 25, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 25, 2018 · Amount on File
Deed Sale	Jan 25, 2018 · Amount on File
Prior Sale	Aug 1, 2012 · Amount on File
Deed Document Number	20182017012329
Deed Book / Page	2330 / 654
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	610 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0024970497
Instrument Date	Oct 23, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 W UNION ST MORGANTON NC 286554308, MORGANTON, NC 28655-4308

Mortgage

Document Number	0024970497
Date	Oct 28, 2020
Book Page	002497/000497
Instrument	46345

Lender

Name	TD BK NA
Type	Bank
Address	WILMINGTON, DE 19808

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 27, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jan 25, 2018
Property Address	610 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0023300654
Book / Page	2330 / 0654
Instrument Date	Jan 15, 2018
Instrument	2017012329
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	$970.00
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	610 W UNION ST, MORGANTON, NC 28655-4308

Mortgage

Document Number	2017012330
Date	Jan 25, 2018
Instrument	2017012330

Lender

Name	TD BANK N A
Type	Non-Lending Institution

Agreement

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

September 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BURKE NC
Recording Date	Sep 25, 2017
Property Address	610 W UNION ST, MORGANTON, NC 28655-4308
Document Number	0023120843
Book / Page	002312 / 000843
Instrument Date	Aug 23, 2017
Instrument	8593
Transaction Type	Foreclosure
Record Updated	Nov 7, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$89.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 610 W Union St was $3,513, up 0.1% 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	$3,513.00 (+0.14%)	$614,766 (-) Land $66,371 Building $548,395	$614,766 (-) Land $66,371 Building $548,395
2025	$3,508.00	$614,766 Land $66,371 Building $548,395	$614,766 Land $66,371 Building $548,395
2023	$3,530.00	$614,766 Land $66,371 Building $548,395	$614,766 Land $66,371 Building $548,395

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

Flood

FEMA maps place 610 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 610 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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