2730 Spainhour Rd, Morganton, NC 28655 Property Records

Burke County property record for 2730 Spainhour Rd, Morganton, NC 28655

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,744 sqft · built 1939
Lot Size	0.59 acres (25,700 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jun 2020)
Tax Bill	$839 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1784298438`

Property Details

APN / Parcel Number

Primary APN	`1784298438`
Alternative APN	`18616`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,744 sqft Living Area
1st Floor Area	1,244 sqft
Basement Area	1,244 sqft
Unfinished Basement	1,244 sqft
Flooring	Wood

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Stone
Foundation Type	Stone
Roof Material	Asphalt
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Attached

Exterior Amenities

Porch	Slab
Porch Area	264 sqft
Shed	1 Shed
Shed Area	204 sqft
Canopy	30 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	2730 SPAINHOUR RD
City	MORGANTON
State	NC
Zip	28655-7066
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RESIDENTIA
Legal Description	TRB PL43-202
Legal Subdivision	OAK HILL ENTERPRISES LLC
Legal Tract	A
Jurisdiction	BURKE NC
Township / Civil Division	QUAKER MEADOWS
Census Block Group	2
Census Block	2002
Census Tract	20202

Owner

2730 Spainhour Rd is owned and occupied by an individual who bought it in June 2020.

Source: Burke County records, as of October 12, 2026

Owner of Record	Individual Name on File
Mailing Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust · Line of Credit STATE EMPLOYEES CREDIT UNION
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Aug 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jun 26, 2020	Special Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2020 · Amount on File
Deed Sale	Jun 26, 2020 · Amount on File
Prior Sale	Feb 28, 2014 · Amount on File
Deed Document Number	202017041752
Deed Book / Page	2472 / 701
Record Updated	Oct 29, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 28, 2026
Property Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066
Document Number	0026003779
Book / Page	2869 / 244
Instrument Date	Apr 22, 2026
Instrument	2026.26003779
Record Updated	May 6, 2026
Title Company	LENDER RECORDING SERVICES, LENDER RECORDING SERVICES (R

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066

Mortgage

Document Number	0026003779,
Date	Apr 28, 2026
Book Page	2869/244
Instrument	2026.26003779

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Recording Date	Apr 28, 2026
Property Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066
Document Number	0028690244
Book / Page	2869 / 244
Instrument Date	Apr 22, 2026
Instrument	202626003779
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066

Mortgage

Document Number	0026003779,
Date	Apr 28, 2026
Book Page	2869/244
Instrument	202626003779

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BURKE NC
Property Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066
Transaction Type	Mortgage
Record Updated	Aug 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0025620061
Date	Aug 12, 2021
Book Page	2562/61
Instrument	2021009569

Lender

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

Agreement

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

June 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BURKE NC
Recording Date	Jun 26, 2020
Property Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066
Document Number	0024720701
Book / Page	2472 / 701
Map Reference	MB 43 PG 202
Instrument Date	Jun 22, 2020
Instrument	2017041752
Transaction Type	Transfer
Record Updated	Aug 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1552 UNION RDF, 1552, GASTONIA, NC 28054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2730 SPAINHOUR RD, MORGANTON, NC 28655-7066

Mortgage

Document Number	0024720704
Date	Jun 26, 2020
Book Page	2472/704
Instrument	2017041753

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Index	5-Year CMT
Margin	2

Tax Assessment & Valuation

The 2026 property tax bill for 2730 Spainhour Rd was $839, up 0.6% from the year before.

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	$839.00 (+0.6%)	$116,996 (-) Land $12,390 Building $104,606	$116,996 (-) Land $12,390 Building $104,606
2025	$834.00	$116,996 Land $12,390 Building $104,606	$116,996 Land $12,390 Building $104,606
2023	$836.00	$116,996 Land $12,390 Building $104,606	$116,996 Land $12,390 Building $104,606

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2730 Spainhour Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2003.

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

Wildfire risk around 2730 Spainhour Rd is low, with a 0.04% annual chance of 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 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless · DSL	100 / 20

May also be available: T-Mobile.

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