128 Holly St, Spencer, NC 28159 Property Records

Rowan County property record for 128 Holly St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,430 sqft · built 2011
Lot Size	0.55 acres (23,958 sqft)
Owner	2 Individual Names on File
Last Sale	$60,500 (Apr 2016)
Tax Bill	$2,143 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 011`

Property Details

APN / Parcel Number

Primary APN	`036 011`
Alternative APN	`6340232`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,430 sqft Living Area
1st Floor Area	1,430 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2016
Exterior Material	Aluminum/Vinyl
Lot Area	23,958 sqft (0.55 acres)
Lot Dimensions	193 ft deep x 125 ft wide
Porch	Porch
Porch Area	80 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	128 HOLLY ST
City	SPENCER
State	NC
Zip	28159-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L5-6 & PT4 OAKDALE HEIGHTS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1033
Census Tract	50700

Owner

128 Holly St is owned by two individuals who bought it in April 2016.

Source: Rowan County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4430 TAKACH RD, PRINCE GEORGE, VA 23875-2413
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Jan 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage WR STARKEY MORTGAGE LLP
Aug 13, 2020	Deed of Trust, Mortgage FIRST NATIONAL BANK OF PENNSYLVANIA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2016 · Amount on File
Deed Sale	Apr 1, 2016 · Amount on File
Prior Sale	May 15, 2015 · Amount on File
Deed Book / Page	1268 / 140
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	128 HOLLY ST, SPENCER, NC 28159-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NORTH AMER TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012840106
Date	Jan 30, 2017
Book Page	1284/0106

Lender

Name	WR STARKEY MORTGAGE LLP
Type	Mortgage Company
Address	PLANO, TX 75093

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2032

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	128 HOLLY ST, SPENCER, NC 28159-1819
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CORPORATE SETTLEMENT SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013540378
Date	Aug 13, 2020
Book Page	1354/378

Lender

Name	FIRST NATIONAL BANK OF PENNSYLVANIA
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Amount	Amount on Record
Term	96 Months
Due	Aug 4, 2028

Tax Assessment & Valuation

The 2026 property tax bill for 128 Holly St was $2,143.

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	$2,143.00	$189,694 (-) Land $20,000 Building $169,694	$189,694 Land $20,000 Building $169,694
2025	$2,143.00	$189,694 Land $20,000 Building $169,694
2023	$2,143.00	$189,694 Land $20,000 Building $169,694	$189,694 Land $20,000 Building $169,694

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

Flood

FEMA maps place 128 Holly St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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

Wildfire risk around 128 Holly 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 78 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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