1787 Spainhour Rd, Morganton, NC 28655 Property Records

Burke County property record for 1787 Spainhour Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 3,384 sqft · built 1935
Lot Size	13.3 acres (581,962 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,792 (2026)
Deeds & Mortgages	Jan 2021 Mortgage Dec 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1785929565`

Property Details

APN / Parcel Number

Primary APN	`1785929565`
Alternative APN	`32627`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,384 sqft Living Area
1st Floor Area	2,014 sqft
Utility Room	Utility Room
Flooring	Wood
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1975
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Roof Material	Metal
Lot Area	581,962 sqft (13.3 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	487 sqft
Shed	1 Shed
Shed Area	384 sqft
Gazebo	384 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1787 SPAINHOUR RD
City	MORGANTON
State	NC
Zip	28655-7060
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	1787 SPAINHOUR RD MORGANTON, NC 28655
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2007
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	1787 SPAINHOUR RD, MORGANTON, NC 28655-7060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 29, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPS FCU

Assessor's Deed Record

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1787 SPAINHOUR RD, MORGANTON, NC 28655-7060
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025120956
Date	Jan 12, 2021
Book Page	2512/956
Instrument	2021000371

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2036

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	1787 SPAINHOUR RD, MORGANTON, NC 28655-7060
Document Number	0025120974
Instrument Date	Dec 29, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1787 SPAINHOUR RD MORGANTON NC 286557060, MORGANTON, NC 28655-7060

Mortgage

Document Number	0025120974
Date	Jan 12, 2021
Book Page	002512/000974
Instrument	372

Lender

Name	STATE EMPS FCU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,792.00 (+0.28%)	$266,945 (-) Land $56,781 Building $210,164	$266,945 (-) Land $56,781 Building $210,164
2025	$1,787.00 (-0.5%)	$266,945 (-) Land $56,781 Building $210,164	$266,945 (-) Land $56,781 Building $210,164
2023	$1,796.00	$266,945 Land $56,781 Building $210,164	$266,945 Land $56,781 Building $210,164

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 67% of the US · above 43% 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 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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