Burke County property record for 1991 Spainhour Rd, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,074 sqft · built 1987 |
| Lot Size | 4.68 acres (203,861 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $2,034 (2026) |
| Deeds & Mortgages | Apr 2022 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1785823417 |
| Primary APN | 1785823417 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,074 sqft Living Area |
| 1st Floor Area | 1,728 sqft |
| Basement Area | 1,728 sqft |
| Unfinished Basement | 1,728 sqft |
| Flooring | Tile |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Conventional |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Material | Asphalt |
| Lot Area | 203,861 sqft (4.68 acres) |
| Garage Type | Mixed |
| Garage Area | 1,696 sqft |
| Parking Spaces | 6 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 768 sqft |
| Deck Area | 416 sqft |
| Shed | 1 Shed |
| Shed Area | 476 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Commercial |
| Street Address | 1991 SPAINHOUR RD |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-7062 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 1991 SPAINHOUR RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 20202 |
Source: Burke County records, as of October 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1991 SPAINHOUR RD, MORGANTON, NC 28655-7062 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 1991 SPAINHOUR RD, MORGANTON, NC 28655-7062 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0026190357 |
|---|---|
| Date | Apr 26, 2022 |
| Book Page | 2619/357 |
| Instrument | 2022020451 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 15, 2052 |
Source: Burke County assessment roll, as of October 12, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Burke County |
| Unified School District | Burke County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,034.00 (+0.25%) | $305,169 (-) Land $32,175 Building $272,994 | $305,169 (-) Land $32,175 Building $272,994 |
| 2025 | $2,029.00 (-0.59%) | $305,169 (-) Land $32,175 Building $272,994 | $305,169 (-) Land $32,175 Building $272,994 |
| 2023 | $2,041.00 | $305,169 Land $32,175 Building $272,994 | $305,169 Land $32,175 Building $272,994 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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