109 Spruce Dr, Salisbury, NC 28147 Property Records

Rowan County property record for 109 Spruce Dr, Salisbury, NC 28147

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,128 sqft · built 1963
Lot Size	0.76 acres (33,106 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,500 (May 2017)
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Feb 2023 Second Mortgage May 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`329B075`

Property Details

APN / Parcel Number

Primary APN	`329B075`
Alternative APN	`6343699`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,128 sqft Living Area
1st Floor Area	1,400 sqft
Basement Area	1,400 sqft
Finished Basement	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Lot Area	33,106 sqft (0.76 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	120 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	109 SPRUCE DR
City	SALISBURY
State	NC
Zip	28147-9165
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L45
Legal Subdivision	WE
Jurisdiction	ROWAN NC
Township / Civil Division	FRANKLIN
Census Block Group	5
Census Block	5009
Census Tract	51303

Owner

Source: Rowan County records, as of August 8, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	109 SPRUCE DR, SALISBURY, NC 28147-9165
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
May 22, 2017	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2017 · Amount on Record
Deed Sale	May 22, 2017 · Amount on Record
Deed Book / Page	1290 / 201
Prior Transfer Date	Oct 1, 2013
Prior Transfer Doc	0012250320
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	109 SPRUCE DR, SALISBURY, NC 28147-9165
Transaction Type	Mortgage
Record Updated	Feb 28, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 SPRUCE DR, SALISBURY, NC 28147-9165

Mortgage

Document Number	0014180419
Date	Feb 17, 2023
Book Page	1418/419

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Jun 1, 2047

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 22, 2017
Property Address	109 SPRUCE DR, SALISBURY, NC 28147-9165
Document Number	0012900201
Book / Page	001290 / 000201
Instrument Date	May 8, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$299.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	109 SPRUCE DR SALISBURY NC 281479165, SALISBURY, NC 28147-9165

Mortgage

Document Number	12900202
Date	May 22, 2017
Book Page	001290/000202

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2047

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 8, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Municipality	Salisbury City
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,008.00	$251,556 (-) Land $32,000 Building $219,556
2023	$3,008.00	$251,556 Land $32,000 Building $219,556	$251,556 Land $32,000 Building $219,556

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (2004–2020)
Claims Outside the SFHA	4 of 4
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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 92 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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