1000 7th St, Spencer, NC 28159 Property Records

Rowan County property record for 1000 7th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,416 sqft · built 2000
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$118,000 (Aug 2017)
Tax Bill	$2,162 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033 421`

Property Details

APN / Parcel Number

Primary APN	`033 421`
Alternative APN	`6344574`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,416 sqft Living Area
1st Floor Area	1,416 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Detached
Garage Area	720 sqft
Porch	Porch
Porch Area	24 sqft
Deck Area	84 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1000 7TH ST
City	SPENCER
State	NC
Zip	28159-1559
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	.40AC L14
Legal Subdivision	GRANTS CROSSING SUBDIVISION
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3002
Census Tract	50700

Owner

Source: Rowan County records, as of August 25, 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	1000 7TH ST, SPENCER, NC 28159-1559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Jun 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
Aug 23, 2017	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2017 · Amount on Record
Deed Sale	Aug 23, 2017 · Amount on Record
Prior Sale	Nov 23, 2004 · Amount on Record
Deed Book / Page	1295 / 312
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Jun 23, 2026
Property Address	1000 7TH ST, SPENCER, NC 28159-1559
Document Number	1485000715
Book / Page	1485 / 715
Instrument Date	Jun 18, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 7TH ST, SPENCER, NC 28159-1559

Mortgage

Document Number	1485000715,
Date	Jun 23, 2026
Book Page	1485/715

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1000 7TH ST, SPENCER, NC 28159-1559
Transaction Type	Mortgage
Record Updated	Jun 16, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013760520
Date	Jun 3, 2021
Book Page	1376/520

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 23, 2017
Property Address	1000 7TH ST, SPENCER, NC 28159-1559
Document Number	0012950312
Book / Page	1295 / 0312
Map Reference	PG 3596
Instrument Date	Aug 23, 2017
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5420 PEACH PLACE LN, 5420, CHARLOTTE, NC 28216-2686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 7TH ST, SPENCER, NC 28159-1559

Mortgage

Document Number	12950313
Date	Aug 23, 2017
Instrument	1295/0313

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Municipality	Spencer Town
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,162.00	$191,390 (-) Land $27,000 Building $164,390	$191,390 (-) Land $27,000 Building $164,390
2025	$2,162.00	$191,390 (-) Land $27,000 Building $164,390
2023	$2,162.00	$191,390 Land $27,000 Building $164,390	$191,390 Land $27,000 Building $164,390

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 May 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2006)
Most Recent Claim	Nov 2006

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% 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	SALISBURY-ROWAN serves 46,156 people · EPA ID NC0180010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	13 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Oct 2022
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 147 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

5G (outdoors only) and 4G LTE

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