115 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 115 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,464 sqft · built 1970
Lot Size	0.65 acres (28,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$315,000 (Apr 2022)
Tax Bill	$3,869 (2026)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 015`

Property Details

APN / Parcel Number

Primary APN	`036 015`
Alternative APN	`6208450`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,464 sqft Living Area
1st Floor Area	2,464 sqft
Basement Area	1,257 sqft
Unfinished Basement	1,257 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	28,500 sqft (0.65 acres)
Lot Dimensions	190 ft deep x 150 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	156 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	115 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1809
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L22-24 OAKDALE HEIGHTS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1033
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	115 CHARLES ST, SPENCER, NC 28159-1809
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Jun 14, 2001 · Amount on Record
Deed Book / Page	1400 / 978
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 29, 2022
Property Address	115 CHARLES ST, SPENCER, NC 28159-1809
Document Number	0014000978
Book / Page	1400 / 978
Map Reference	MB 9995 PG 73
Instrument Date	Apr 29, 2022
Transaction Type	Transfer
Record Updated	May 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	200 CHARLES ST, 200, SPENCER, NC 28159-1804

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CHARLES ST, SPENCER, NC 28159-1809

Mortgage

Document Number	0001400979
Date	Apr 29, 2022
Instrument	1400/979

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$3,869.00	$342,414 (-) Land $40,000 Building $302,414	$342,414 (-) Land $40,000 Building $302,414
2025	$3,869.00	$342,414 (-) Land $40,000 Building $302,414
2023	$3,869.00	$342,414 Land $40,000 Building $302,414	$342,414 Land $40,000 Building $302,414

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 · 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

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 145 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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