1104 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 1104 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,259 sqft · built 1946
Lot Size	1.34 acres (58,200 sqft)
Owner	Individual Name on File
Last Sale	$192,500 (Jul 2024)
Tax Bill	$1,843 (2026)
Deeds & Mortgages	Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`031 146`

Property Details

APN / Parcel Number

Primary APN	`031 146`
Alternative APN	`6340904`

Interior

Full Baths	1 Bath
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,259 sqft Living Area
1st Floor Area	976 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	58,200 sqft (1.34 acres)
Lot Dimensions	300 ft deep x 194 ft wide

Exterior Amenities

Porch	Porch
Porch Area	18 sqft
Deck Area	80 sqft
Storage Building	440 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Radiant

Location & Zoning

Street Address	1104 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-1950
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R20:SINGLE
Legal Description	L7-12 BLK 92 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Block	92
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4013
Census Tract	50700

Owner

1104 S Rowan Ave is owned and occupied by an individual who bought it in July 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1104 S ROWAN AVE, SPENCER, NC 28159-1950
Occupancy	Owner Occupied
Owner Type	Individual

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2024 · Amount on File
Deed Sale	Jul 12, 2024 · Amount on File
Prior Sale	Jun 16, 2016 · Amount on File
Deed Book / Page	1445 / 256
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1104 S ROWAN AVE, SPENCER, NC 28159-1950
Document Number	0013250743
Instrument Date	Mar 29, 2019
Transaction Type	Mortgage
Record Updated	Apr 16, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1104 S ROWAN AVE SPENCER NC 281591950, SPENCER, NC 28159-1950

Mortgage

Document Number	0013250743
Date	Apr 9, 2019
Book Page	001325/000743

Lender

Name	LION'S SHARE CU
Type	Credit Union
Address	SALISBURY, NC 28147

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Apr 8, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 1104 S Rowan Ave was $1,843.

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	$1,843.00	$163,154 Land $43,750 Building $119,404	$163,154 Land $43,750 Building $119,404
2023	$1,400.00	$123,919 Land $26,250 Building $97,669	$123,919 Land $26,250 Building $97,669

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

Flood

FEMA maps place 1104 S Rowan Ave 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1104 S Rowan Ave 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	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 128 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Rowan Ave

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