105 Long Ferry Rd, Spencer, NC 28159 Property Records

Rowan County property record for 105 Long Ferry Rd, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,422 sqft · built 1918
Lot Size	0.36 acres (15,500 sqft)
Owner	2 Individual Names on File
Last Sale	$147,500 (Apr 2026)
Tax Bill	$1,135 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 054`

Property Details

APN / Parcel Number

Primary APN	`036 054`
Alternative APN	`14339`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1987
Exterior Material	Other
Lot Area	15,500 sqft (0.36 acres)
Lot Dimensions	155 ft deep x 100 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	188 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	105 LONG FERRY RD
City	SPENCER
State	NC
Zip	28159-1869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	HB:HIGHWAY
Legal Description	L92-93
Legal Subdivision	OAKDALE HEIGHTS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1036
Census Tract	50700

Owner

105 Long Ferry Rd is owned by two individuals who bought it in April 2026.

Source: Rowan County records, as of October 9, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1100 4TH ST, SPENCER, NC 28159-1630
Owner Type	Individual
Vesting	Husband and Wife

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	Warranty Deed, Transfer · Conventional Mortgage NBKC BANK
Apr 28, 2026	Warranty Deed, Transfer · Conventional Mortgage NBKC BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2026 · Amount on File
Deed Sale	Apr 28, 2026 · Amount on File
Prior Sale	Jul 26, 2000 · Amount on File
Deed Book / Page	1481 / 961
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 28, 2026
Property Address	105 LONG FERRY RD, SPENCER, NC 28159-1869
Document Number	1481000961
Book / Page	1481 / 961
Instrument Date	Apr 27, 2026
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 4TH ST, SPENCER, NC 28159-1630

Mortgage

Document Number	1481000962,
Date	Apr 28, 2026
Book Page	1481/962

Lender

Name	NBKC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 28, 2026
Property Address	105 LONG FERRY RD, SPENCER, NC 28159-1869
Document Number	0014810961
Book / Page	1481 / 961
Instrument Date	Apr 27, 2026
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$29,795.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1100 4TH ST, SPENCER, NC 28159-1630

Mortgage

Document Number	1481000962,
Date	Apr 28, 2026
Book Page	1481/962

Lender

Name	NBKC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 105 Long Ferry Rd was $1,135.

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	$1,135.00	$100,527 (-) Land $24,750 Building $75,777	$100,527 Land $24,750 Building $75,777
2025	$1,135.00	$100,527 Land $24,750 Building $75,777
2023	$1,135.00	$100,527 Land $24,750 Building $75,777	$100,527 Land $24,750 Building $75,777

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

Flood

FEMA maps place 105 Long Ferry Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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 105 Long Ferry Rd is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · above 49% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, T-Mobile, Windstream.

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