118 11th St, Spencer, NC 28159 Property Records

Rowan County property record for 118 11th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,287 sqft · built 2023
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,000 (Feb 2024)
Tax Bill	$2,260 (2026)
Deeds & Mortgages	Feb 2024 Sale & Mortgage Jun 2023 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`030 112`

Property Details

APN / Parcel Number

Primary APN	`030 112`
Alternative APN	`6232219`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,287 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
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	118 11TH ST
City	SPENCER
State	NC
Zip	28159-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L16 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

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	118 11TH ST, SPENCER, NC 28159-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 29, 2024	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 27, 2023	Deed of Trust, Mortgage · Construction Mortgage ANCHOR LOANS INC
Jun 5, 2023	Warranty Deed, Transfer EXECUTIVE TITLE, EXECUTIVE TITLE LLC
Mar 20, 2023	Warranty Deed, Transfer · Commercial Mortgage LOAN FUNDING GROUP LLC
Mar 14, 2023	Warranty Deed, Transfer
Feb 7, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2024 · Amount on Record
Deed Sale	Feb 29, 2024 · Amount on Record
Prior Sale	Jun 5, 2023 · Amount on Record
Deed Book / Page	1437 / 965
Prior Transfer Date	Feb 3, 2023
Prior Transfer Doc	0014170858
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 29, 2024
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Document Number	0014370965
Book / Page	1437 / 965
Instrument Date	Feb 26, 2024
Transaction Type	Transfer
Record Updated	Mar 12, 2024
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1612 SEATTLE SLEW CT, MARVIN, NC 28173-6642

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 11TH ST, SPENCER, NC 28159-1902

Mortgage

Document Number	0001437966
Date	Feb 29, 2024
Instrument	1437/966

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Transaction Type	Mortgage
Record Updated	Jul 7, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0014250561
Date	Jun 27, 2023
Book Page	1425/561

Lender

Name	ANCHOR LOANS INC
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 5, 2023
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Document Number	0014240347
Book / Page	1424 / 347
Instrument Date	Jun 2, 2023
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	EXECUTIVE TITLE, EXECUTIVE TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$71.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1427 WICKERLEAF WAY, GARNER, NC 27529-8392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1612 SEATTLE SLEW CT, WAXHAW, NC 28173-6642
Investor	Possibly a Property Investor

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 20, 2023
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Document Number	0014200112
Book / Page	1420 / 112
Map Reference	MB 107 PG 400
Instrument Date	Mar 16, 2023
Transaction Type	Transfer
Record Updated	Mar 30, 2023

Transaction

Amount	Amount Recorded
Tax	$134.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	705 WEST ST, WINSTON SALEM, NC 27101-5147

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1427 WICKERLEAF WAY, GARNER, NC 27529-8392

Mortgage

Document Number	0001420113
Date	Mar 20, 2023
Instrument	1420/113

Lender

Name	LOAN FUNDING GROUP LLC

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Apr 1, 2024

Mortgage

Document Number	0014200114
Date	Mar 20, 2023
Book Page	1420/114

Lender

Name	LOAN FUNDING GROUP LLC
Address	EDGEWATER, NJ 07020

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 14, 2023
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Document Number	0014190783
Book / Page	1419 / 783
Instrument Date	Mar 14, 2023
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Amount	Amount Recorded
Tax	$97.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	142 BUNKER WAY, MOCKSVILLE, NC 27028-5273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 WEST ST, WINSTON SALEM, NC 27101-5147

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 7, 2023
Property Address	118 11TH ST, SPENCER, NC 28159-1902
Document Number	0014170858
Book / Page	1417 / 858
Instrument Date	Feb 3, 2023
Transaction Type	Transfer
Record Updated	Feb 16, 2023

Transaction

Amount	Amount Recorded
Tax	$60.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	185 LEGION HUT RD, MOCKSVILLE, NC 27028-5341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	142 BUNKER WAY, MOCKSVILLE, NC 27028-5273

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	$2,260.00	$200,070 (-) Land $16,800 Building $183,270	$200,070 (-) Land $16,800 Building $183,270
2025	$2,260.00 (+1,303.73%)	$200,070 (+1,301.05%) Land $16,800 Building $183,270
2023	$161.00	$14,280 Land $14,280	$200,070 Land $16,800 Building $183,270

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

FEMA Flood Zone	Zone X minimal risk
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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