107 N Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 107 N Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,990 sqft · built 1954
Lot Size	0.35 acres (15,367 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Jul 2019)
Tax Bill	$2,041 (2026)
Deeds & Mortgages	Jul 2019 Sale & Mortgage Jan 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035 105`

Property Details

APN / Parcel Number

Primary APN	`035 105`
Alternative APN	`6349970`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,990 sqft Living Area
1st Floor Area	1,990 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1996
Exterior Material	Brick
Lot Area	15,367 sqft (0.35 acres)
Lot Dimensions	121 ft deep x 127 ft wide

Exterior Amenities

Porch	Porch
Porch Area	15 sqft
Patio Area	190 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	107 N ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2423
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	PT 129-130 I. N. EARNHART DEACD.
Legal Subdivision	MAP OF T M EARNHARDT ESTATES
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2016
Census Tract	50700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spencer Historic District listed 1984 · 282 contributing resources · NRIS 84000619

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Rowan County records, as of August 25, 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	107 N ROWAN AVE, SPENCER, NC 28159-2423
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2019	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 28, 2019	Grant Deed, Transfer ATTORNEY ONLY
Jul 9, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2019 · Amount on Record
Deed Sale	Jul 22, 2019 · Amount on Record
Prior Sale	Jan 28, 2019 · Amount on Record
Deed Book / Page	1331 / 335
Prior Transfer Date	Oct 12, 2015
Prior Transfer Doc	0012610965
Record Updated	Oct 29, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 22, 2019
Property Address	107 N ROWAN AVE, SPENCER, NC 28159-2423
Document Number	0013310335
Book / Page	1331 / 0335
Map Reference	PG 25
Instrument Date	Jul 18, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$274.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	340 SPEEDWAY PL NW, 340, CONCORD, NC 28027-5580

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 N ROWAN AVE, SPENCER, NC 28159-2423

Mortgage

Document Number	13310336
Date	Jul 22, 2019
Instrument	1331/0336

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 28, 2019
Property Address	107 N ROWAN AVE, SPENCER, NC 28159-2423
Document Number	0013220136
Book / Page	001322 / 000136
Instrument Date	Jan 16, 2019
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$88.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 SPEEDWAY PL NW CONCORD NC 280275580, CONCORD, NC 28027-5580

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 9, 2018
Property Address	107 N ROWAN AVE, SPENCER, NC 28159-2423
Document Number	0013120178
Book / Page	001312 / 000178
Instrument Date	Jun 25, 2018
Transaction Type	Foreclosure
Record Updated	Jul 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$193.84
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	107 N ROWAN AVE SPENCER NC 281592423, SPENCER, NC 28159-2423

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	$2,041.00	$180,633 (-) Land $24,500 Building $156,133	$180,633 (-) Land $24,500 Building $156,133
2025	$2,041.00	$180,633 (-) Land $24,500 Building $156,133
2023	$2,041.00	$180,633 Land $24,500 Building $156,133	$180,633 Land $24,500 Building $156,133

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

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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