Rowan County property record for 109 Charles St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,400 sqft · built 1937 |
| Lot Size | 0.51 acres (22,230 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $72,500 (Sep 2002) |
| Tax Bill | $1,627 (2025) |
| Deeds & Mortgages | Apr 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 036 017 |
| Primary APN | 036 017 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,400 sqft Living Area |
| 1st Floor Area | 1,400 sqft |
| Basement Area | 210 sqft |
| Unfinished Basement | 210 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1937 |
|---|---|
| Effective Year Built | Effective 1989 |
| Exterior Material | Brick |
| Lot Area | 22,230 sqft (0.51 acres) |
| Lot Dimensions | 190 ft deep x 117 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Porch | Porch |
| Porch Area | 134 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 109 CHARLES ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1809 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HB:HIGHWAY |
| Legal Description | L27-28 & PT26 |
| Legal Subdivision | ASHLEY DOWNS |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 50700 |
Source: Rowan County records, as of July 14, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 109 CHARLES ST, SPENCER, NC 28159-1809 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2002 · Amount on Record |
| Deed Sale | Sep 30, 2002 · Amount on Record |
| Deed Book / Page | 952 / 926 |
| Last Transfer Date | Apr 19, 2018 |
| Transfer Doc | 0013070701 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Apr 19, 2018 |
| Property Address | 109 CHARLES ST, SPENCER, NC 28159-1809 |
| Document Number | 0013070701 |
| Book / Page | 001307 / 000701 |
| Instrument Date | Apr 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 109 CHARLES ST SPENCER NC 281591809, SPENCER, NC 28159-1809 |
Source: Rowan County assessment roll, as of August 8, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,627.00 | $144,011 (-) Land $40,000 Building $104,011 | |
| 2023 | $1,627.00 | $144,011 Land $40,000 Building $104,011 | $144,011 Land $40,000 Building $104,011 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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