2596 Spainhour Rd, Morganton, NC 28655 Property Records

Burke County property record for 2596 Spainhour Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,064 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,838 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1784491756`

Property Details

APN / Parcel Number

Primary APN	`1784491756`
Alternative APN	`18478`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,064 sqft Living Area
1st Floor Area	1,248 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick Veneer
Foundation Type	Masonry
Roof Material	Metal
Lot Area	43,560 sqft (1 acres)
Garage Type	Carport
Garage Area	840 sqft
Carport	Carport
Carport Area	840 sqft
Parking Spaces	7 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	Deck Area
Patio Area	200 sqft
Shed	1 Shed
Shed Area	250 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2596 SPAINHOUR RD
City	MORGANTON
State	NC
Zip	28655-7030
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	2596 SPAINHOUR RD MORGANTON, NC 28655
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 23, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 23, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2007
Deed Sale	Jul 11, 2007
Deed Document Number	20079553
Deed Book / Page	1683 / 379
Last Transfer Date	Aug 17, 2021
Transfer Doc	0025640401
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Sep 11, 2026
Property Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030
Document Number	0026008701
Book / Page	2896 / 842
Instrument Date	Sep 9, 2026
Instrument	202626008701
Transaction Type	Mortgage
Record Updated	Sep 22, 2026
Title Company	ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030

Mortgage

Document Number	0026008701,
Date	Sep 11, 2026
Book Page	2896/842
Instrument	202626008701

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BURKE NC
Recording Date	Aug 23, 2021
Property Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030
Document Number	0025640401
Book / Page	2564 / 401
Instrument Date	Aug 17, 2021
Instrument	2021009975
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030

Mortgage

Document Number	2021009976
Date	Aug 23, 2021
Instrument	2021009976

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2596 SPAINHOUR RD, MORGANTON, NC 28655-7030
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0024450536
Date	Jan 23, 2020
Book Page	2445/0536
Instrument	2017036430

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MORGANTON, NC 28680

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,838.00 (+0.55%)	$259,013 (-) Land $16,825 Building $242,188	$259,013 (-) Land $16,825 Building $242,188
2025	$1,828.00 (-0.27%)	$259,013 (-) Land $16,825 Building $242,188	$259,013 (-) Land $16,825 Building $242,188
2023	$1,833.00	$259,013 Land $16,825 Building $242,188	$259,013 Land $16,825 Building $242,188

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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% 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 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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