113 10th St, Spencer, NC 28159 Property Records

Rowan County property record for 113 10th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,529 sqft · built 1902
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$22,000 (Dec 2016)
Tax Bill	$2,056 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Nov 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030 214`

Property Details

APN / Parcel Number

Primary APN	`030 214`
Alternative APN	`6345671`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,529 sqft Living Area
1st Floor Area	1,529 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Porch	Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	113 10TH ST
City	SPENCER
State	NC
Zip	28159-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L 25 BLK D ELIZABETH B. HENDERSON & MSRY E. VANDERFORD
Legal Block	D
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4006
Census Tract	50700

Owner

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

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	PO BOX 38797, CHARLOTTE, NC 28278-1013
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2018	Deed of Trust, Mortgage STEARNS LNDG
Nov 30, 2017	Quit Claim Deed, Subdivision Related Transfer ATTORNEY ONLY
Jan 11, 2017	Trustee's Deed, Construction Loan · Construction Mortgage HH SCHUCKMAN CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2016 · Amount on Record
Deed Sale	Dec 2, 2016 · Amount on Record
Prior Sale	Nov 22, 2016 · Amount on Record
Deed Book / Page	1281 / 121
Last Transfer Date	Nov 27, 2017
Transfer Doc	0013000666
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	113 10TH ST, SPENCER, NC 28159-2018
Document Number	0013030165
Book / Page	001303 / 000165
Instrument Date	Jan 23, 2018
Transaction Type	Mortgage
Record Updated	Feb 2, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	113 10TH ST SPENCER NC 281592018, SPENCER, NC 28159-2018

Mortgage

Document Number	0013030165
Date	Jan 24, 2018
Book Page	001303/000165

Lender

Name	STEARNS LNDG
Address	SANTA ANA, CA 92707-8788

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 23, 2048

November 2017: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 30, 2017
Property Address	113 10TH ST, SPENCER, NC 28159-2018
Document Number	0013000666
Book / Page	001300 / 000666
Instrument Date	Nov 27, 2017
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 38797 CHARLOTTE NC 282781013, CHARLOTTE, NC 28278-1013

January 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 11, 2017
Property Address	113 10TH ST, SPENCER, NC 28159-2018
Document Number	0012830091
Book / Page	001283 / 000091
Instrument Date	Jan 11, 2017
Transaction Type	Construction Loan
Record Updated	Jan 18, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 38797 CHARLOTTE NC 282781013, CHARLOTTE, NC 28278-1013

Mortgage

Document Number	12830091,
Date	Jan 11, 2017
Book Page	001283/000091

Lender

Name	HH SCHUCKMAN CAPITAL LLC
Address	ROCK HILL, SC 29732

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jan 10, 2018

Tax Assessment & Valuation

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	$2,056.00	$181,957 (-) Land $28,000 Building $153,957	$181,957 (-) Land $28,000 Building $153,957
2025	$2,056.00	$181,957 (-) Land $28,000 Building $153,957
2023	$2,056.00	$181,957 Land $28,000 Building $153,957	$181,957 Land $28,000 Building $153,957

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

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

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.

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.

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