98 Elm St, Morganton, NC 28655 Property Records

Burke County property record for 98 Elm St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,204 sqft · built 2006
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Apr 2023)
Tax Bill	$1,487 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1783523792`

Property Details

APN / Parcel Number

Primary APN	`1783523792`
Alternative APN	`56858`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,204 sqft Living Area
1st Floor Area	1,204 sqft
Flooring	Tile

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	98 ELM ST
City	MORGANTON
State	NC
Zip	28655-4169
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	98 ELM ST MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	3
Census Block	3007
Census Tract	21400

Owner

Source: Burke County records, as of October 12, 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	98 ELM ST, MORGANTON, NC 28655-4169
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP
Dec 23, 2019	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Apr 6, 2018	Warranty Deed, Transfer · ARM STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Dec 23, 2019 · Amount on Record
Deed Document Number	202323003426
Deed Book / Page	2680 / 49
Prior Transfer Date	Nov 6, 2012
Prior Transfer Doc	0002086001
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 20, 2023
Property Address	98 ELM ST, MORGANTON, NC 28655-4169
Document Number	0026800049
Book / Page	2680 / 49
Map Reference	MB 20 PG 131&132
Instrument Date	Apr 20, 2023
Instrument	2023003426
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$480.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3244 FAIRVIEW RD, NEBO, NC 28761-9526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 ELM ST, MORGANTON, NC 28655-4169
Investor	Possibly a Property Investor

Mortgage

Document Number	2023003427
Date	Apr 20, 2023
Instrument	2023003427

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Dec 23, 2019
Property Address	98 ELM ST, MORGANTON, NC 28655-4169
Document Number	0024410113
Book / Page	2441 / 0113
Map Reference	MB 20 PG 131&132
Instrument Date	Dec 23, 2019
Instrument	2019035564
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$340.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 ELM ST, MORGANTON, NC 28655-4169

Mortgage

Document Number	2019035565
Date	Dec 23, 2019
Instrument	2019035565

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Apr 6, 2018
Property Address	98 ELM ST, MORGANTON, NC 28655-4169
Document Number	0023410590
Book / Page	2341 / 0590
Map Reference	MB20 PG131&132
Instrument Date	Apr 5, 2018
Instrument	2017014659
Transaction Type	Transfer
Record Updated	Sep 28, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
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	98 ELM ST, MORGANTON, NC 28655-4169

Mortgage

Document Number	2017014660
Date	Apr 6, 2018
Instrument	2017014660

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	Annually
Min Rate At Change	6%
Index	5-Year CMT
Margin	2
Max Rate	10.2%

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	$1,487.00 (+0.34%)	$249,553 (-) Land $27,880 Building $221,673	$249,553 (-) Land $27,880 Building $221,673
2025	$1,482.00 (-0.2%)	$249,553 (-) Land $27,880 Building $221,673	$249,553 (-) Land $27,880 Building $221,673
2023	$1,485.00	$249,553 Land $27,880 Building $221,673	$249,553 Land $27,880 Building $221,673

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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	4 (2024)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 4 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 97% of the US · lower than 98.5% 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 80 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Compas X-Stream Cable	1,000 / 50

May also be available: Spectrum.

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