Burke County property record for 2046 Spainhour Rd, Morganton, NC 28655
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,561 sqft · built 1999 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,033 (2026) |
| Deeds & Mortgages | Jun 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 1785725235 |
| Primary APN | 1785725235 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,561 sqft Living Area |
| 1st Floor Area | 2,019 sqft |
| Flooring | Ceramic Tile |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Roof Material | Asphalt |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 896 sqft |
| Porch | Slab |
| Porch Area | 839 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2046 SPAINHOUR RD |
|---|---|
| City | MORGANTON |
| State | NC |
| Zip | 28655-7063 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RESIDENTIA |
| Legal Description | 2046 SPAINHOUR RD MORGANTON, NC 28655 |
| Jurisdiction | BURKE NC |
| Township / Civil Division | QUAKER MEADOWS |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 20202 |
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 | 2046 SPAINHOUR RD, MORGANTON, NC 28655-7063 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BURKE NC |
| Property Address | 2046 SPAINHOUR RD, MORGANTON, NC 28655-7063 |
| Transaction Type | Mortgage |
| Record Updated | Sep 25, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2046 SPAINHOUR RD, MORGANTON, NC 28655-7063 |
| Document Number | 0026280782 |
|---|---|
| Date | Jun 14, 2022 |
| Book Page | 2628/782 |
| Instrument | 2021022272 |
| Name | FIRST CITIZENS BANK AND TRUST CO INC |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
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 | $3,033.00 (+0.17%) | $462,442 (-) Land $33,708 Building $428,734 | $462,442 (-) Land $33,708 Building $428,734 |
| 2025 | $3,028.00 (-0.62%) | $462,442 (-) Land $33,708 Building $428,734 | $462,442 (-) Land $33,708 Building $428,734 |
| 2023 | $3,047.00 | $462,442 Land $33,708 Building $428,734 | $462,442 Land $33,708 Building $428,734 |
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 101 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile.
5G (outdoors only) and 4G LTE
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