120 10th St, Spencer, NC 28159 Property Records

Rowan County property record for 120 10th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,242 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	Company Name on Record
Last Sale	$125,000 (Aug 2026)
Tax Bill	$1,687 (2026)
Deeds & Mortgages	Aug 2026 Sale & Construction Loan Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030 211`

Property Details

APN / Parcel Number

Primary APN	`030 211`
Alternative APN	`6093931`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,242 sqft Living Area
1st Floor Area	1,242 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	169 ft deep x 66 ft wide
Porch	Porch
Porch Area	48 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	120 10TH ST
City	SPENCER
State	NC
Zip	28159-2019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	.26AC L3
Legal Subdivision	MINOR CARL RANSOM TUC
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4002
Census Tract	50700

Owner

Source: Rowan County records, as of August 27, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	600 BRECKENRIDGE RD, KANNAPOLIS, NC 28083-6159
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Warranty Deed, Construction Loan · Construction Mortgage RFLF 5 LLC
Oct 30, 2017	Deed of Trust, Mortgage PINNACLE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2026 · Amount on Record
Deed Sale	Aug 20, 2026 · Amount on Record
Prior Sale	Mar 3, 2005 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1489 / 407
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 20, 2026
Property Address	120 10TH ST, SPENCER, NC 28159-2019
Document Number	1489000407
Book / Page	1489 / 407
Instrument Date	Aug 19, 2026
Transaction Type	Construction Loan
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$25,250.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	600 BRECKENRIDGE RD, KANNAPOLIS, NC 28083-6159

Mortgage

Document Number	1489000408,
Date	Aug 20, 2026
Book Page	1489/408

Lender

Name	RFLF 5 LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2027

Interest

Max Rate	-1%

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	120 10TH ST, SPENCER, NC 28159-2019
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012990070
Date	Oct 30, 2017
Book Page	1299/0070

Lender

Name	PINNACLE BANK
Type	Bank
Address	SALISBURY, NC 28147

Agreement

Amount	Amount Recorded

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	$1,687.00	$149,320 (-) Land $25,200 Building $124,120	$149,320 (-) Land $25,200 Building $124,120
2023	$1,687.00	$149,320 Land $25,200 Building $124,120	$149,320 Land $25,200 Building $124,120

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	0.01% 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Hotwire Communications, T-Mobile, Windstream.

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