705 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 705 W Union St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,420 sqft · built 1945
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on File
Last Sale	$278,000 (May 2022)
Tax Bill	$1,835 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1793843392`

Property Details

APN / Parcel Number

Primary APN	`1793843392`
Alternative APN	`4062`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,164 sqft
Basement Area	1,164 sqft
Unfinished Basement	1,164 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2000
Architectural Style	Contemporary
Construction Type	Frame
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached

Exterior Amenities

Porch	Slab
Porch Area	206 sqft
Deck Area	132 sqft
Patio Area	284 sqft
Canopy	40 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	705 W UNION ST
City	MORGANTON
State	NC
Zip	28655-4208
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	705 W UNION ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1022
Census Tract	21400

Owner

Source: Burke County records · APN 1793843392

Assessment roll updated September 25, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	705 W UNION ST, MORGANTON, NC 28655-4208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Deed Document Number	202221021187
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 16, 2022
Property Address	705 W UNION ST, MORGANTON, NC 28655-4208
Document Number	0026230401
Book / Page	2623 / 401
Map Reference	MB 1 PG 50
Instrument Date	May 13, 2022
Instrument	2021021187
Transaction Type	Transfer
Record Updated	May 26, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 W UNION ST, MORGANTON, NC 28655-4208

Mortgage

Document Number	2021021188
Date	May 16, 2022
Instrument	2021021188

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 01, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,835.00 (-0.22%)	$312,691 (-) Land $42,000 Building $270,691	$312,691 (-) Land $42,000 Building $270,691
2023	$1,839.00	$312,691 Land $42,000 Building $270,691	$312,691 Land $42,000 Building $270,691

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Burke County (37023C), as of June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230214001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
City of Morganton Cable	1,000 / 50
T-Mobile USA Fixed Wireless	100 / 20

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

Based on FCC filings for 210 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system NC0112015, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CITY OF MORGANTON serves 27,221 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.