115 11th St, Spencer, NC 28159 Property Records

Rowan County property record for 115 11th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,854 sqft · built 1909
Lot Size	0.89 acres (38,768 sqft)
Owner	Individual Name on Record
Last Sale	$113,000 (Mar 2018)
Tax Bill	$2,343 (2026)
Deeds & Mortgages	Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030 089`

Property Details

APN / Parcel Number

Primary APN	`030 089`
Alternative APN	`6346705`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,854 sqft Living Area
1st Floor Area	1,854 sqft

Exterior

Year Built	Built 1909
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	38,768 sqft (0.89 acres)
Lot Dimensions	260 ft deep x 150 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	115 11TH ST
City	SPENCER
State	NC
Zip	28159-1901
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L11-13 & LOT B BLK C HENDERSON & VANDERFORD .89AC
Legal Block	C
Legal Lot Number	B
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4012
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 11TH ST, SPENCER, NC 28159-1901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 26, 2018 · Amount on Record
Deed Sale	Mar 26, 2018 · Amount on Record
Deed Book / Page	1306 / 298
Record Updated	Oct 29, 2026

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 26, 2018
Property Address	115 11TH ST, SPENCER, NC 28159-1901
Document Number	0013060298
Book / Page	1306 / 0298
Map Reference	MB 9995 PG 8299
Instrument Date	Mar 23, 2018
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$226.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9901 MILL GROVE RD, 9901, INDIAN TRAIL, NC 28079-7726

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 11TH ST, SPENCER, NC 28159-1901

Mortgage

Document Number	13060299
Date	Mar 26, 2018
Instrument	1306/0299

Lender

Name	CITYWORTH MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$2,343.00	$207,393 (-) Land $28,000 Building $179,393	$207,393 (-) Land $28,000 Building $179,393
2023	$2,343.00	$207,393 Land $28,000 Building $179,393	$207,393 Land $28,000 Building $179,393

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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