126 11th St, Spencer, NC 28159 Property Records

Rowan County property record for 126 11th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,656 sqft · built 1940
Lot Size	0.19 acres (8,450 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Oct 2023)
Tax Bill	$2,359 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030 094`

Property Details

APN / Parcel Number

Primary APN	`030 094`
Alternative APN	`6336292`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	828 sqft
Unfinished Basement	828 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	8,450 sqft (0.19 acres)
Lot Dimensions	169 ft deep x 50 ft wide
Garage Type	Detached

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	126 11TH ST
City	SPENCER
State	NC
Zip	28159-1902
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L20 BLK D ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON AND VANDERFORD PROPERTY
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	Individual Name on Record
Mailing Address	126 11TH ST, SPENCER, NC 28159-1902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 19, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
Oct 23, 2023	Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2023 · Amount on Record
Deed Sale	Oct 23, 2023 · Amount on Record
Prior Sale	Aug 27, 2008 · Amount on Record
Deed Book / Page	1431 / 675
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Jun 19, 2026
Property Address	126 11TH ST, SPENCER, NC 28159-1902
Document Number	1485000562
Book / Page	1485 / 562
Instrument Date	Jun 15, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 11TH ST, SPENCER, NC 28159-1902

Mortgage

Document Number	1485000562,
Date	Jun 19, 2026
Book Page	1485/562

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 23, 2023
Property Address	126 11TH ST, SPENCER, NC 28159-1902
Document Number	0014310675
Book / Page	1431 / 675
Map Reference	PG 42
Instrument Date	Oct 19, 2023
Transaction Type	Transfer
Record Updated	Nov 2, 2023
Title Company	INTEGRATED TITLE SERVICES INC, INTEGRATED TITLE SVCS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 FINSON RD, BANGOR, ME 04401-2008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 11TH ST, SPENCER, NC 28159-1902

Mortgage

Document Number	0001431676
Date	Oct 23, 2023
Instrument	1431/676

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

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	$2,359.00	$208,826 (-) Land $22,400 Building $186,426	$208,826 (-) Land $22,400 Building $186,426
2025	$2,359.00 (+46.98%)	$208,826 (+47.02%) Land $22,400 Building $186,426
2023	$1,605.00	$142,039 Land $22,400 Building $119,639	$208,826 Land $22,400 Building $186,426

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
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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