640 Old NC 18, Morganton, NC 28655 Property Records

Burke County property record for 640 Old NC 18, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,644 sqft · built 1955
Lot Size	0.68 acres (29,621 sqft)
Owner	Individual Name on Record
Tax Bill	$1,249 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`2712060114`

Property Details

APN / Parcel Number

Primary APN	`2712060114`
Alternative APNs	`2712060101` `66762` `5720`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,644 sqft Living Area
Basement Area	583 sqft
Unfinished Basement	583 sqft
Flooring	Tile

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Asphalt
Lot Area	29,621 sqft (0.68 acres)

Exterior Amenities

Porch	Slab
Porch Area	127 sqft
Patio Area	474 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	640 OLD NC 18
City	MORGANTON
State	NC
Zip	28655-7323
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	LO2 PL66-38
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3000
Census Tract	21301

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	Individual Name on Record
Mailing Address	640 OLD NC 18, MORGANTON, NC 28655-7323
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Deed of Trust, Mortgage · FHA Mortgage TRUIST BK
Oct 6, 2020	Warranty Deed, Transfer · FHA Mortgage TRUIST BANK
Mar 5, 2020	Warranty Deed, Transfer · Construction Mortgage CYNTHIA S MORRISON

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 4, 2014
Transfer Doc	0000001616
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	640 OLD NC 18, MORGANTON, NC 28655-7323
Document Number	0024930049
Instrument Date	Oct 5, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 OLD NC 18 MORGANTON NC 286557323, MORGANTON, NC 28655-7323

Mortgage

Document Number	0024930049
Date	Oct 6, 2020
Book Page	002493/000049
Instrument	45516

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 5, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Oct 6, 2020
Property Address	640 OLD NC 18, MORGANTON, NC 28655-7323
Document Number	0024930046
Book / Page	2493 / 46
Instrument Date	Sep 25, 2020
Instrument	2017045515
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 OLD NC 18, MORGANTON, NC 28655-7323

Mortgage

Document Number	2017045516
Date	Oct 6, 2020
Instrument	2017045516

Lender

Name	TRUIST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 5, 2020
Property Address	640 OLD NC 18, MORGANTON, NC 28655-7323
Document Number	0024520666
Book / Page	002452 / 000666
Instrument Date	Mar 3, 2020
Instrument	37926
Transaction Type	Transfer
Record Updated	Mar 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2330 PIEDMONT RD MORGANTON NC 286559898, MORGANTON, NC 28655-9898

Mortgage

Document Number	24520669
Date	Mar 5, 2020
Book Page	002452/000669
Instrument	37927

Lender

Name	CYNTHIA S MORRISON
Special Notes	Seller Financed

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Mar 4, 2021

Tax Assessment & Valuation

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	$1,249.00 (+0.4%)	$175,939 (-) Land $16,542 Building $159,397	$175,939 (-) Land $16,542 Building $159,397
2025	$1,244.00 (-16.12%)	$175,939 (-20.35%) Land $16,542 Building $159,397	$175,939 (-20.35%) Land $16,542 Building $159,397
2023	$1,483.00	$220,900 Land $20,837 Building $200,063	$220,900 Land $20,837 Building $200,063

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	1 in force

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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

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