10040 N Spruce St, Middlesex, NC 27557 Property Records

Nash County property record for 10040 N Spruce St, Middlesex, NC 27557

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,326 sqft · built 1950
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$100,000 (Jun 2020)
Tax Bill	$1,365 (2026)
Deeds & Mortgages	Jan 2023 Line of Credit Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`273415-63-6525`

Property Details

APN / Parcel Number

Primary APN	`273415-63-6525`
Alternative APNs	`004098` `71184`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,326 sqft Heated Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1978
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Account Number	71184
Street Address	10040 N SPRUCE ST
City	MIDDLESEX
State	NC
Zip	27557-7501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS
Legal Description	5 32 13, 1 LT, 13 PT 12 BLK 32 STOCKADE LT 1H 13 12 BLK 32
Legal Subdivision	MIDDLESEX LAND COMPANY
Legal Block	32
Legal Lot Number	13
Jurisdiction	NASH NC
Township / Civil Division	DRY WELLS
Census Block Group	2
Census Block	2013
Census Tract	11501

Owner

Source: Nash County records, as of October 16, 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	10040 N SPRUCE ST, MIDDLESEX, NC 27557-7501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL FEDERAL CU
Jun 2, 2020	Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA
Jun 2, 2020	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2020 · Amount on Record
Deed Sale	Jun 2, 2020 · Amount on Record
Prior Sale	Feb 1, 1971 · Amount on Record
Deed Book / Page	3053 / 359
Prior Transfer Date	May 29, 2020
Prior Transfer Doc	003053/359
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	NASH NC
Property Address	10040 N SPRUCE ST, MIDDLESEX, NC 27557-7501
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003262/564
Date	Jan 4, 2023
Book Page	3262/564

Lender

Name	COASTAL FEDERAL CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	NASH NC
Recording Date	Jun 2, 2020
Property Address	10040 N SPRUCE ST, MIDDLESEX, NC 27557-7501
Document Number	003053/359
Book / Page	3053 / 359
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	May 3, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10040 NORTH SPUCE ST, MIDDLESEX, NC 27557-7501

Mortgage

Document Number	0003053364
Date	Jun 2, 2020
Instrument	3053/364

Lender

Name	PNC BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	NASH NC
Recording Date	Jun 2, 2020
Property Address	10040 N SPRUCE ST, MIDDLESEX, NC 27557-7501
Document Number	3053/356
Book / Page	3053 / 356
Map Reference	MB 593 PG 271
Instrument Date	May 29, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2021

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	2645 WOODARDS DAIRY RD, MIDDLESEX, NC 27557-9185

Tax Assessment & Valuation

Source: Nash County assessment roll, as of October 16, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Nash County
Municipality	Middlesex Town
Unified School District	Nash-Rocky Mount Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,365.00 (+3.96%)	$105,050 (-) Land $12,750 Building $92,300	$105,050 (-) Land $12,750 Building $92,300
2025	$1,313.00 (+45.57%)	$105,050 (+55.91%) Land $12,750 Building $92,300	$105,050 (+55.91%) Land $12,750 Building $92,300
2023	$902.00	$67,380	$67,380 Land $12,750 Building $54,630

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 September 18, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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	MIDDLESEX WATER SYSTEM serves 1,389 people · EPA ID NC0464050
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Ethylene dibromide not recorded as resolved · Apr 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 214 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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