1103 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 1103 Charles St, Spencer, NC 28159

Property Summary

Property Type	Multi-Family Dwellings
Details	1,860 sqft · built 1983
Lot Size	0.5 acres (21,978 sqft)
Owner	Company Name on File
Last Sale	$101,000 (Aug 2012)
Tax Bill	$2,174 (2026)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`034 124`

Property Details

APN / Parcel Number

Primary APN	`034 124`
Alternative APN	`6323160`

Interior

Stories	1 Story
Building Area	1,860 sqft Total Area
1st Floor Area	1,860 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1992
Architectural Style	Multi-Family
Exterior Material	Wood
Lot Area	21,978 sqft (0.5 acres)
Lot Dimensions	99 ft deep x 222 ft wide

Exterior Amenities

Porch	Porch
Porch Area	184 sqft
Patio Area	560 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	1103 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1742
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R6:TWO FAM
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3005
Census Tract	50700

Owner

1103 Charles St, a residential property, is owned by a company that bought it in August 2012.

Source: Rowan County records, as of August 25, 2026

Owner of Record	Company Name on File
Mailing Address	PO BOX 3387, SALISBURY, NC 28145-3387
Owner Type	Company
Vesting	Company

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Commercial Mortgage TRUIST BANK
Nov 20, 2018	Deed of Trust, Mortgage · Line of Credit BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2012 · Amount on File
Deed Sale	Aug 6, 2012 · Amount on File
Deed Book / Page	1201 / 476
Prior Transfer Date	Jun 21, 2007
Prior Transfer Doc	0011340191
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1103 CHARLES ST, SPENCER, NC 28159-1742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013580384
Date	Oct 9, 2020
Book Page	1358/384

Lender

Name	TRUIST BANK
Type	Bank
Address	LEXINGTON, NC 27292

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1103 CHARLES ST, SPENCER, NC 28159-1742
Document Number	0013190235
Instrument Date	Nov 20, 2018
Transaction Type	Mortgage
Record Updated	Dec 4, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1103 CHARLES ST #1109 SPENCER NC 281591742, 1109, SPENCER, NC 28159-1742

Mortgage

Document Number	0013190235
Date	Nov 21, 2018
Book Page	001319/000235

Lender

Name	BRANCH BK&TR
Type	Bank
Address	LEXINGTON, NC 27292-3417

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1103 Charles St was $2,174.

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	$2,174.00	$192,448 (-) Land $44,800 Building $147,648	$192,448 Land $44,800 Building $147,648
2025	$2,174.00	$192,448 Land $44,800 Building $147,648
2023	$2,174.00	$192,448 Land $44,800 Building $147,648	$192,448 Land $44,800 Building $147,648

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1103 Charles St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 Claims	1 (2006)
Most Recent Claim	Nov 2006

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

Wildfire risk around 1103 Charles St is low, with a 0.03% annual chance of 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.

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 81 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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