Rowan County property record for 109 2nd St, Spencer, NC 28159 · Last verified October 2023
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,704 sqft · built 1915 |
| Lot Size | 0.166 acres (7,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $90,000 (Aug 2018) |
| Tax Bill | $2,010 (2023) |
| Deeds & Mortgages | Apr 2023 Line of Credit Sep 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 163 |
| Primary APN | 032 163 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 7,250 sqft (0.166 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Porch | Porch |
| Porch Area | 288 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 705024 |
|---|---|
| Old Parcel Number | 032 163 |
| Street Address | 109 2ND ST |
| City | SPENCER |
| State | NC |
| Zip | 28159-2316 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 23 BLK 8 A.B. ANDREWS JR. |
| Legal Subdivision | A B ANDREWS JR |
| Legal Block | 8 |
| Legal Lot Number | 23 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 50700 |
Source: Rowan County records · APN 032 163
Assessment roll updated January 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND |
| Sep 15, 2021 | Deed of Trust, Mortgage FIFTH THIRD BANK NA |
| Aug 02, 2018 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 02, 2018 · Amount on Record |
| Deed Sale | Aug 02, 2018 · Amount on Record |
| Deed Document Number | 0001313530 |
| Deed Book / Page | 1313 / 530 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2023 |
| Title Company | TITLE365 - OMAHA, TITLE365 OMAHA |
| Name | Verified Name |
|---|---|
| Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Document Number | 0014210142 |
|---|---|
| Date | Apr 10, 2023 |
| Book Page | 1421/142 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013840162 |
|---|---|
| Date | Sep 15, 2021 |
| Book Page | 1384/162 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 02, 2018 |
| Property Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Document Number | 0013130530 |
| Book / Page | 1313 / 0530 |
| Instrument Date | Aug 02, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $180.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 707 2ND ST, 707, SPENCER, NC 28159-1731 |
| Name | Verified Name |
|---|---|
| Address | 109 2ND ST, SPENCER, NC 28159-2316 |
| Document Number | 13130531 |
|---|---|
| Date | Aug 02, 2018 |
| Instrument | 1313/0531 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $2,010.00 | $177,933 Land $18,000 Building $159,933 | $177,933 Land $18,000 Building $159,933 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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