1746 Spainhour Rd, Morganton, NC 28655 Property Records

Burke County property record for 1746 Spainhour Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,400 sqft · built 1993
Lot Size	1.84 acres (80,150 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,401 (2026)
Deeds & Mortgages	Nov 2024 Line of Credit Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1795033782`

Property Details

APN / Parcel Number

Primary APN	`1795033782`
Alternative APN	`37108`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Utility Room	Utility Room
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2000
Architectural Style	Conventional
Construction Type	Frame
Foundation Type	Stone
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	80,150 sqft (1.84 acres)

Exterior Amenities

Porch	Slab
Porch Area	300 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Street Address	1746 SPAINHOUR RD
City	MORGANTON
State	NC
Zip	28655-7060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1746 SPAINHOUR RD MORGANTON, NC 28655
Legal Subdivision	JACK POTEET
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2002
Census Tract	20202

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	2 Individual Names on Record
Mailing Address	1746 SPAINHOUR RD, MORGANTON, NC 28655-7060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2024	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Aug 11, 2017	Deed of Trust, Mortgage · ARM LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1746 SPAINHOUR RD, MORGANTON, NC 28655-7060
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0027760695
Date	Nov 18, 2024
Book Page	2776/695
Instrument	2024010296

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1746 SPAINHOUR RD, MORGANTON, NC 28655-7060
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0023050911
Date	Aug 11, 2017
Book Page	2305/0911
Instrument	2017007154

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Change Frequency	5 Years
Index	5-Year CMT
Margin	2
Max Rate	9.75%

Tax Assessment & Valuation

Source: Burke County assessment roll, as of October 12, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Burke County
Unified School District	Burke County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,401.00 (+0.36%)	$205,462 (-) Land $20,941 Building $184,521	$205,462 (-) Land $20,941 Building $184,521
2025	$1,396.00 (-0.43%)	$205,462 (-) Land $20,941 Building $184,521	$205,462 (-) Land $20,941 Building $184,521
2023	$1,402.00	$205,462 Land $20,941 Building $184,521	$205,462 Land $20,941 Building $184,521

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	5 in force
Nearby Flood Claims	1 (2003)
Most Recent Claim	Apr 2003 · rainfall accumulation

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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