90 Elm St, Morganton, NC 28655 Property Records

Burke County property record for 90 Elm St, Morganton, NC 28655 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,250 sqft · built 2008
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Tax Bill	$1,502 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Sep 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1783523488`

Property Details

APN / Parcel Number

Primary APN	`1783523488`
Alternative APN	`6313`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,250 sqft Living Area
1st Floor Area	1,250 sqft
Flooring	Tile

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	40 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	90 ELM ST
City	MORGANTON
State	NC
Zip	28655-4169
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	90 ELM ST MORGANTON, NC 28655
Legal Subdivision	CITY/MORGANTON
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

Source: Burke County records · APN 1783523488

Assessment roll updated September 25, 2025 · Last verified August 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 File
Mailing Address	90 ELM ST, MORGANTON, NC 28655-4169
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2024	Deed of Trust, Mortgage · VA Mortgage UNITED TRUST BANK
Sep 23, 2022	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Oct 08, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 08, 2019	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Jan 04, 2021	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAP & INVS
Jan 28, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAP & INV LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 17, 2024
Deed Sale	Dec 17, 2024
Prior Sale	Jun 01, 2011 · Amount on Record
Deed Document Number	20241176
Deed Book / Page	2781 / 31
Prior Transfer Date	Dec 12, 2024
Prior Transfer Doc	0027810031
Record Updated	Sep 20, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Transaction Type	Mortgage
Record Updated	Mar 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027330569
Date	Mar 15, 2024
Book Page	2733/569
Instrument	2024002117

Lender

Name	UNITED TRUST BANK
Type	Bank
Address	PALOS HEIGHTS, IL 60463

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Transaction Type	Mortgage
Record Updated	Oct 04, 2022
Title Company	MILESTONE STLMT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0026470552
Date	Sep 23, 2022
Book Page	2647/552
Instrument	2022026079

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Transaction Type	Mortgage
Record Updated	Oct 26, 2021
Title Company	NETCO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025760297
Date	Oct 08, 2021
Book Page	2576/297
Instrument	2021012172

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023830242
Date	Jan 08, 2019
Book Page	2383/0242
Instrument	2017023576

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Document Number	0000200001
Instrument Date	Jan 04, 2021
Transaction Type	Mortgage
Record Updated	Feb 02, 2021
Title Company	MILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	90 ELM ST MORGANTON NC 286554169, MORGANTON, NC 28655-4169

Mortgage

Document Number	0000200001
Date	Jan 06, 2021
Book Page	000020/000001
Instrument	176

Lender

Name	VILLAGE CAP & INVS
Type	Funding / Finance Company
Address	2863 SAINT ROSE PKWY, HENDERSON, NV 89052-4806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 05, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	90 ELM ST, MORGANTON, NC 28655-4169
Document Number	0024470343
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 18, 2020
Title Company	MILESTONE SETTLEMENT LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	90 ELM ST MORGANTON NC 286554169, MORGANTON, NC 28655-4169

Mortgage

Document Number	0024470343
Date	Feb 03, 2020
Book Page	002447/000343
Instrument	36796

Lender

Name	VILLAGE CAP & INV LLC
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 02, 2050

Tax Assessment & Valuation

Source: Burke County records · Assessment roll updated September 25, 2025 · Last verified August 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	$1,502.00 (-0.27%)	$253,260 (-) Land $31,160 Building $222,100	$253,260 (-) Land $31,160 Building $222,100
2023	$1,506.00	$253,260 Land $31,160 Building $222,100	$253,260 Land $31,160 Building $222,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Burke County (37023C), updated June 28, 2017 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370230214003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024, rainfall accumulation, Tropical Storm Helene
Claims By Storm	Tropical Storm Helene, Sep 2024 · 4 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 80 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
City of Morganton	Cable	1,000 / 50
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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