108 Cain St, Spencer, NC 28159 Property Records

Rowan County property record for 108 Cain St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,184 sqft · built 1956
Lot Size	0.18 acres (8,000 sqft)
Owner	Trust Name on Record
Last Sale	$208 (Jan 2022)
Tax Bill	$1,170 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`036 027`

Property Details

APN / Parcel Number

Primary APN	`036 027`
Alternative APN	`6241499`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	1,184 sqft
Unfinished Basement	1,184 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1993
Exterior Material	Other
Foundation Type	Footing
Lot Area	8,000 sqft (0.18 acres)
Lot Dimensions	160 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Deck Area	240 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	108 CAIN ST
City	SPENCER
State	NC
Zip	28159-1806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Subdivision	JOHN S HENDERSON PROPERTY
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1033
Census Tract	50700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	225 HALL RD, MOUNT ULLA, NC 28125-8655
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2023	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Nov 8, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 26, 2022 · Amount on Record
Deed Sale	Jan 26, 2022 · Amount on Record
Deed Book / Page	1393 / 827
Last Transfer Date	Apr 19, 2022
Transfer Doc	0014130387
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	108 CAIN ST, SPENCER, NC 28159-1806
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 HALL RD, MOUNT ULLA, NC 28125-8655

Mortgage

Document Number	0014330096
Date	Nov 16, 2023
Book Page	1433/96

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Nov 8, 2022
Property Address	108 CAIN ST, SPENCER, NC 28159-1806
Document Number	0014130387
Book / Page	1413 / 387
Instrument Date	Apr 19, 2022
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	225 HALL RD, 225, MOUNT ULLA, NC 28125-8655

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	225 HALL RD, MOUNT ULLA, NC 28125-8655

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	$1,170.00	$103,558 (-) Land $12,000 Building $91,558	$103,558 (-) Land $12,000 Building $91,558
2025	$1,170.00	$103,558 (-) Land $12,000 Building $91,558
2023	$1,170.00	$103,558 Land $12,000 Building $91,558	$103,558 Land $12,000 Building $91,558

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
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

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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