818 W Union St, Morganton, NC 28655 Property Records

Burke County property record for 818 W Union St, Morganton, NC 28655

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	2 ba · 13,852 sqft · built 1948
Lot Size	1.49 acres (64,904 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (May 2020)
Tax Bill	$1,274 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1793633792`

Property Details

APN / Parcel Number

Primary APN	`1793633792`
Alternative APN	`31920`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	13,852 sqft Total Area
Utility Room	Utility Room

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1970
Architectural Style	Conventional
Exterior Material	Brick Veneer
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	64,904 sqft (1.49 acres)
Garage Type	Attached
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Shed	1 Shed
Shed Area	1,080 sqft
Canopy	982 sqft

Location & Zoning

Street Address	818 W UNION ST
City	MORGANTON
State	NC
Zip	28655-4228
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	HIGH INTEN
Legal Description	818 W UNION ST MORGANTON, NC 28655
Legal Subdivision	SURVEY OF SHIRLEY B SPRINKLE
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	2
Census Block	2005
Census Tract	20500

Owner

Source: Burke County records, as of October 19, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	102 EMORYWOOD DR, MORGANTON, NC 28655-8210
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage LIFESTORE BANK
Mar 15, 2021	Warranty Deed, Transfer
May 7, 2020	Warranty Deed, Transfer · Conventional with PMI SHIRLEY B SPRINKLE
May 7, 2020	Deed of Trust, Mortgage SHIRLEY B SPRINKLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2020 · Amount on Record
Deed Sale	May 7, 2020 · Amount on Record
Deed Document Number	202017039992
Deed Book / Page	2463 / 683
Last Transfer Date	Aug 31, 2020
Transfer Doc	0024850704
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	818 W UNION ST, MORGANTON, NC 28655-4228
Transaction Type	Mortgage
Record Updated	Sep 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	143 WHISPERING PINE ST, MORGANTON, NC 28655-8281

Mortgage

Document Number	0026970619
Date	Jul 27, 2023
Book Page	2697/619
Instrument	2023006893

Lender

Name	LIFESTORE BANK
Type	Bank
Address	WEST JEFFERSON, NC 28694

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 26, 2024

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 15, 2021
Property Address	818 W UNION ST, MORGANTON, NC 28655-4228
Document Number	0025260059
Book / Page	2526 / 59
Instrument Date	Mar 3, 2021
Instrument	2021002853
Transaction Type	Transfer
Record Updated	Dec 28, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1268, MORGANTON, NC 28680-1268

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 W UNION ST, MORGANTON, NC 28655-4228

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	May 7, 2020
Property Address	818 W UNION ST, MORGANTON, NC 28655-4228
Document Number	0024630683
Book / Page	002463 / 000683
Instrument Date	May 7, 2020
Instrument	39992
Transaction Type	Transfer
Record Updated	May 26, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 W UNION ST MORGANTON NC 286554228, MORGANTON, NC 28655-4228

Mortgage

Document Number	24630688
Date	May 7, 2020
Book Page	002463/000688
Instrument	39993

Lender

Name	SHIRLEY B SPRINKLE
Address	PO BOX 1268, MORGANTON, NC 28680-1268

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	May 6, 2025

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	818 W UNION ST, MORGANTON, NC 28655-4228
Document Number	0024630688
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	May 22, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	818 W UNION ST MORGANTON NC 286554228, MORGANTON, NC 28655-4228

Mortgage

Document Number	0024630688
Date	May 7, 2020
Book Page	002463/000688
Instrument	39993

Lender

Name	SHIRLEY B SPRINKLE
Address	PO BOX 1268, MORGANTON, NC 28680-1268

Agreement

Amount	Amount Recorded
Term	60 Months
Due	May 6, 2025

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	$1,274.00	$229,714 (-) Land $223,500 Building $6,214	$229,714 (-) Land $223,500 Building $6,214
2025	$1,274.00 (-39.59%)	$229,714 (-39.02%) Land $223,500 Building $6,214	$229,714 (-39.02%) Land $223,500 Building $6,214
2023	$2,109.00	$376,677 Land $189,000 Building $187,677	$376,677 Land $189,000 Building $187,677

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	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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 97 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.

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