Rowan County property record for 208 Cain St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,352 sqft · built 2022 |
| Lot Size | 0.183 acres (8,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $260,000 (Jun 2023) |
| Tax Bill | $970 (2023) |
| Deeds & Mortgages | Oct 2022 Construction Loan Jun 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 036 032A |
| Primary APN | 036 032A |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 2 Stories |
| Building Area | 1,352 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 8,000 sqft (0.183 acres) |
| Lot Dimensions | 160 ft deep x 50 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Account Number | 528250000 |
|---|---|
| Old Parcel Number | 036 032A |
| Street Address | 208 CAIN ST |
| City | SPENCER |
| State | NC |
| Zip | 28159-1808 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6 |
| Legal Description | DIST:1 CITY/MUNI/TWP:TOWN OF SPENCER |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 50700 |
Source: Rowan County records · APN 036 032A
Assessment roll updated January 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 208 CAIN ST, SPENCER, NC 28159-1808 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 04, 2022 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK |
| Jun 28, 2023 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage MOVEMENT MORTGAGE |
| Dec 08, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2023 · Amount on Record |
| Deed Sale | Jun 28, 2023 · Amount on Record |
| Prior Sale | Dec 08, 2021 |
| Deed Document Number | 0001425609 |
| Deed Book / Page | 1425 / 609 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 208 CAIN ST, SPENCER, NC 28159-1808 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1302 DEVONMERE PL, SALISBURY, NC 28144-8901 |
| Document Number | 0014110196 |
|---|---|
| Date | Oct 04, 2022 |
| Book Page | 1411/196 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | NEWTON, NC 28658 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jun 28, 2023 |
| Property Address | 208 CAIN ST, SPENCER, NC 28159-1808 |
| Document Number | 0014250609 |
| Book / Page | 1425 / 609 |
| Instrument Date | Jun 28, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $520.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1302 DEVONMERE PL, SALISBURY, NC 28144-8901 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 208 CAIN ST, SPENCER, NC 28159-1808 |
| Document Number | 0001425610 |
|---|---|
| Date | Jun 28, 2023 |
| Instrument | 1425/610 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Document Number | 0014250611 |
|---|---|
| Date | Jun 28, 2023 |
| Book Page | 1425/611 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | FORT MILL, SC 29707 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 08, 2021 |
| Property Address | 208 CAIN ST, SPENCER, NC 28159-1808 |
| Document Number | 0013900468 |
| Book / Page | 1390 / 468 |
| Instrument Date | Dec 08, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2023 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 45, SPENCER, NC 28159-0045 |
| Name | Verified Name |
|---|---|
| Address | 1302 DEVONMERE PL, SALISBURY, NC 28144-8901 |
Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $970.00 (+954.35%) | $85,916 (+1,125.1%) Land $10,000 Building $75,916 | $85,916 (+1,125.1%) Land $10,000 Building $75,916 |
| 2022 | $92.00 | $7,013 Land $7,013 | $7,013 Land $7,013 |
Source: FEMA National Flood Hazard Layer as of May 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications.
Based on FCC filings for 145 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SALISBURY-ROWAN serves 46,156 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 13 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures