117 10th St, Spencer, NC 28159 Property Records

Rowan County property record for 117 10th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,589 sqft · built 1906
Lot Size	0.19 acres (8,450 sqft)
Owner	Individual Name on File
Last Sale	$83,000 (Oct 2017)
Tax Bill	$1,696 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`030 099`

Property Details

APN / Parcel Number

Primary APN	`030 099`
Alternative APN	`6345166`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,589 sqft Living Area
1st Floor Area	1,589 sqft

Exterior

Year Built	Built 1906
Effective Year Built	Effective 2003
Exterior Material	Other
Foundation Type	Footing
Lot Area	8,450 sqft (0.19 acres)
Lot Dimensions	169 ft deep x 50 ft wide
Porch	Porch
Porch Area	375 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	117 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	L27 BLK D ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Block	D
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4006
Census Tract	50700

Owner

117 10th St is owned and occupied by an individual who bought it in October 2017.

Source: Rowan County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	117 10TH ST, SPENCER, NC 28159-2018
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
Feb 23, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 4, 2018	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Oct 30, 2017	Warranty Deed, Transfer · FHA Mortgage 1ST ALLIANCE LENDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2017 · Amount on File
Deed Sale	Oct 30, 2017 · Amount on File
Prior Sale	Apr 27, 2001 · Amount on File
Deed Book / Page	1299 / 92
Prior Transfer Date	Jun 11, 2012
Prior Transfer Doc	0011980620
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	117 10TH ST, SPENCER, NC 28159-2018
Transaction Type	Mortgage
Record Updated	Mar 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 10TH ST, SPENCER, NC 28159-2018

Mortgage

Document Number	0013950940
Date	Feb 23, 2022
Book Page	1395/940

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	319 Months
Due	Sep 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	117 10TH ST, SPENCER, NC 28159-2018
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013150217
Date	Sep 4, 2018
Book Page	1315/0217

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 30, 2017
Property Address	117 10TH ST, SPENCER, NC 28159-2018
Document Number	0012990092
Book / Page	1299 / 0092
Map Reference	PG 42
Instrument Date	Oct 30, 2017
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	$166.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 412, BANNER ELK, NC 28604-0412

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 10TH ST, SPENCER, NC 28159-2018

Mortgage

Document Number	12990093
Date	Oct 30, 2017
Instrument	1299/0093

Lender

Name	1ST ALLIANCE LENDING LLC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 117 10th St was $1,696.

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	$1,696.00	$150,174 (-) Land $22,400 Building $127,774	$150,174 Land $22,400 Building $127,774
2025	$1,696.00	$150,174 Land $22,400 Building $127,774
2023	$1,696.00	$150,174 Land $22,400 Building $127,774	$150,174 Land $22,400 Building $127,774

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

Flood

FEMA maps place 117 10th St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 117 10th St is low, with a 0.02% annual chance of 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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