104 Spainhour St, Morganton, NC 28655 Property Records

Burke County property record for 104 Spainhour St, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,008 sqft · built 1939
Lot Size	0.45 acres (19,602 sqft)
Owner	Individual Name on File
Last Sale	$63,000 (Mar 2022)
Tax Bill	$497 (2026)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1793887757`

Property Details

APN / Parcel Number

Primary APN	`1793887757`
Alternative APN	`3447`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Unfinished Basement	1,008 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1955
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,602 sqft (0.45 acres)
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central

Location & Zoning

Street Address	104 SPAINHOUR ST
City	MORGANTON
State	NC
Zip	28655-3223
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MEDIUM INT
Legal Description	104 SPAINHOUR ST MORGANTON, NC 28655
Legal Subdivision	104 SPAINHOUR ST
Jurisdiction	BURKE NC
Township / Civil Division	MORGANTON
Census Block Group	1
Census Block	1021
Census Tract	20500

Owner

104 Spainhour St is owned and occupied by an individual who bought it in March 2022.

Source: Burke County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	104 SPAINHOUR ST, MORGANTON, NC 28655-3223
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
May 11, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 21, 2022 · Amount on File
Deed Sale	Mar 21, 2022 · Amount on File
Prior Sale	Oct 20, 2008
Deed Document Number	202221018816
Deed Book / Page	2610 / 819
Prior Transfer Date	Apr 28, 2017
Prior Transfer Doc	0022920030
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Mar 21, 2022
Property Address	104 SPAINHOUR ST, MORGANTON, NC 28655-3223
Document Number	0026100819
Book / Page	2610 / 819
Instrument Date	Mar 21, 2022
Instrument	2022018816
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1306 E UNION ST, 1306, MORGANTON, NC 28655-5379

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPAINHOUR ST, MORGANTON, NC 28655-3223

Mortgage

Document Number	2022018817
Date	Mar 21, 2022
Instrument	2022018817

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BURKE NC
Recording Date	May 11, 2017
Property Address	104 SPAINHOUR ST, MORGANTON, NC 28655-3223
Document Number	0022920030
Book / Page	002292 / 000030
Instrument Date	Apr 28, 2017
Instrument	4229
Transaction Type	Transfer
Record Updated	Jul 17, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	500 S KING ST #C MORGANTON NC 286553583, C, MORGANTON, NC 28655-3583

Tax Assessment & Valuation

The 2026 property tax bill for 104 Spainhour St was $497, up 1% from the year before.

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	$497.00 (+1.02%)	$71,349 (-) Land $29,250 Building $42,099	$71,349 (-) Land $29,250 Building $42,099
2025	$492.00	$71,349 Land $29,250 Building $42,099	$71,349 Land $29,250 Building $42,099
2023	$487.00	$71,349 Land $29,250 Building $42,099	$71,349 Land $29,250 Building $42,099

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

Flood

FEMA maps place 104 Spainhour St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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	3 in force
Nearby Flood Claims	5 (1979–2024)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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

Wildfire risk around 104 Spainhour St is low, with a 0.01% annual chance of wildfire.

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

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 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Compas X-Stream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber, DSL in parts of the area	100 / 20

May also be available: Spectrum.

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