1105 Elizabeth Ave, Spencer, NC 28159 Property Records

Rowan County property record for 1105 Elizabeth Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,296 sqft · built 1977
Lot Size	0.43 acres (18,750 sqft)
Owner	Individual Name on File
Last Sale	$138,500 (Sep 2020)
Tax Bill	$1,822 (2026)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`038 026`

Property Details

APN / Parcel Number

Primary APN	`038 026`
Alternative APN	`6346233`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,296 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	18,750 sqft (0.43 acres)
Lot Dimensions	150 ft deep x 125 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Porch
Porch Area	80 sqft
Patio Area	96 sqft
Lean-To	100 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1105 ELIZABETH AVE
City	SPENCER
State	NC
Zip	28159-1848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L55-56 & PT57 EARNHARDT- VOGLER ESTATES
Legal Subdivision	EARNHARDT- VOGLER ESTATES
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1018
Census Tract	50700

Owner

1105 Elizabeth Ave is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1105 ELIZABETH AVE, SPENCER, NC 28159-1848
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

Date	Document
Sep 4, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 5, 2018	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on File
Deed Sale	Sep 4, 2020 · Amount on File
Prior Sale	Jan 5, 2018 · Amount on File
Deed Book / Page	1355 / 970
Record Updated	Oct 29, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 4, 2020
Property Address	1105 ELIZABETH AVE, SPENCER, NC 28159-1848
Document Number	0013550970
Book / Page	1355 / 970
Instrument Date	Sep 4, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$277.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 BASINGER KLUTTZ RD, 220, SALISBURY, NC 28146-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 ELIZABETH AVE, SPENCER, NC 28159-1848

Mortgage

Document Number	1355971
Date	Sep 4, 2020
Instrument	1355/971

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 5, 2018
Property Address	1105 ELIZABETH AVE, SPENCER, NC 28159-1848
Document Number	0013020426
Book / Page	1302 / 0426
Instrument Date	Jan 5, 2018
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$208.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1416 SW 50TH ST # ST62C, 1416, CAPE CORAL, FL 33914-3406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1105 ELIZABETH AVE, SPENCER, NC 28159-1848

Mortgage

Document Number	13020427
Date	Jan 5, 2018
Instrument	1302/0427

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1105 Elizabeth Ave was $1,822.

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	$1,822.00	$161,299 Land $22,200 Building $139,099	$161,299 Land $22,200 Building $139,099
2023	$1,822.00	$161,299 Land $22,200 Building $139,099	$161,299 Land $22,200 Building $139,099

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

Flood

FEMA maps place 1105 Elizabeth Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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.

Wildfire

Wildfire risk around 1105 Elizabeth 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 67% of the US · above 43% 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 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, T-Mobile, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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