209 11th St, Spencer, NC 28159 Property Records

Rowan County property record for 209 11th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,158 sqft · built 1954
Lot Size	0.668 acres (29,100 sqft)
Owner	Individual Name on Record
Last Sale	$311,500 (Nov 2025)
Tax Bill	$3,052 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`030 032`

Property Details

APN / Parcel Number

Primary APN	`030 032`
Alternative APN	`6302102`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,158 sqft Living Area
1st Floor Area	2,158 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 2003
Exterior Material	Brick
Foundation Type	Footing
Lot Area	29,100 sqft (0.668 acres)
Lot Dimensions	194 ft deep x 150 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	240 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	6302102
Old Parcel Number	030 032
Street Address	209 11TH ST
City	SPENCER
State	NC
Zip	28159-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE FAM-8
Legal Description	L4-6 BLK 91 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON & VANDERFORD ADD
Legal Block	91
Legal Lot Number	4
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4012
Census Tract	50700

Owner

Source: Rowan County records, as of November 28, 2025

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
Co-owner	Co-owner on Record
Mailing Address	209 11TH ST, SPENCER, NC 28159-1903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2025	Warranty Deed, Transfer · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
Jul 12, 2019	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 2025 · Amount on Record
Deed Sale	Nov 13, 2025 · Amount on Record
Prior Sale	Jul 12, 2019 · Amount on Record
Deed Document Number	0001472562
Deed Book / Page	1472 / 562
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 13, 2025
Property Address	209 11TH ST, SPENCER, NC 28159-1903
Document Number	0014720562
Book / Page	1472 / 562
Map Reference	MB 9995 PG 42
Instrument Date	Nov 13, 2025
Transaction Type	Transfer
Record Updated	Dec 1, 2025
Title Company	MASTER TITLE AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$623.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12516 GENERATIONS ST, CHARLOTTE, NC 28278-8172

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	209 11TH ST, SPENCER, NC 28159-1903

Mortgage

Document Number	0014720563
Date	Nov 13, 2025
Book Page	1472/563

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company
Address	SALT LAKE CITY, UT 84116

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 12, 2019
Property Address	209 11TH ST, SPENCER, NC 28159-1903
Document Number	0013300818
Book / Page	001330 / 000818
Instrument Date	Jul 12, 2019
Transaction Type	Transfer
Record Updated	Jul 19, 2019
Title Company	MASTER TITLE AGENCY, MASTER TITLE AGCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$372.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	209 11TH ST SPENCER NC 281591903, SPENCER, NC 28159-1903

Mortgage

Document Number	13300819
Date	Jul 12, 2019
Book Page	001330/000819

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 11, 2049

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of January 1, 2025

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
2025	$3,052.00	$270,090 (-) Land $32,200 Building $237,890
2023	$3,052.00	$270,090 Land $32,200 Building $237,890	$270,090 Land $32,200 Building $237,890

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	0.02% 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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