115 10th St, Spencer, NC 28159 Property Records

Rowan County property record for 115 10th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,064 sqft · built 2021
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Nov 2021)
Tax Bill	$1,827 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Mar 2021 Sale & Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030 100`

Property Details

APN / Parcel Number

Primary APN	`030 100`
Alternative APN	`6175643`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	169 ft deep x 50 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	115 10TH ST
City	SPENCER
State	NC
Zip	28159-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L26 BLK D ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	JOHN S HENDERSON & T H VANDERFORD PLAT
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	Individual Name on Record
Mailing Address	115 10TH ST, SPENCER, NC 28159-2018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU
Mar 23, 2021	Warranty Deed, Construction Loan · Construction Mortgage PEOPLES BANK
Feb 2, 2021	Warranty Deed, Transfer SUN NATIONAL TITLE COMPANY, BOSTON NATIONAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2021 · Amount on Record
Deed Sale	Nov 3, 2021 · Amount on Record
Prior Sale	Mar 23, 2021 · Amount on Record
Deed Book / Page	1387 / 922
Prior Transfer Date	May 31, 2007
Prior Transfer Doc	0011120625
Record Updated	Oct 29, 2026

November 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 3, 2021
Property Address	115 10TH ST, SPENCER, NC 28159-2018
Document Number	0013870922
Book / Page	1387 / 922
Instrument Date	Nov 3, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	160 SCOTTSDALE DR, 160, SALISBURY, NC 28146-2380

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 10TH ST, SPENCER, NC 28159-2018

Mortgage

Document Number	0001387923
Date	Nov 3, 2021
Instrument	1387/923

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.15%
Type Change Date	Dec 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.15%
Index	5-Year CMT
Max Rate	9.15%

March 2021: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 23, 2021
Property Address	115 10TH ST, SPENCER, NC 28159-2018
Document Number	0013700977
Book / Page	1370 / 977
Instrument Date	Mar 19, 2021
Transaction Type	Construction Loan
Record Updated	Nov 4, 2022

Transaction

Amount	Amount Recorded
Tax	$30.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	816 ALTA WAY, 816, KANNAPOLIS, NC 28081-0008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	160 SCOTTSDALE DR, SALISBURY, NC 28146-2380

Mortgage

Document Number	0001370982
Date	Mar 23, 2021
Instrument	1370/982

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	0013700978
Date	Mar 23, 2021
Book Page	1370/978

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 2, 2021
Property Address	115 10TH ST, SPENCER, NC 28159-2018
Document Number	0013670152
Book / Page	1367 / 152
Instrument Date	Feb 1, 2021
Transaction Type	Transfer
Record Updated	Nov 4, 2022
Title Company	SUN NATIONAL TITLE COMPANY, BOSTON NATIONAL TITLE CO

Transaction

Amount	Amount Recorded
Tax	$13.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3320 DEERFIELD RD, 3320, DEARING, GA 30808-2352

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 ALTA WAY, KANNAPOLIS, NC 28081-0008

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	$1,827.00	$161,769 (-) Land $28,000 Building $133,769	$161,769 (-) Land $28,000 Building $133,769
2025	$1,827.00	$161,769 (-) Land $28,000 Building $133,769
2023	$1,827.00	$161,769 Land $28,000 Building $133,769	$161,769 Land $28,000 Building $133,769

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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