215 11th St, Spencer, NC 28159 Property Records

Rowan County property record for 215 11th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,501 sqft · built 1959
Lot Size	0.33 acres (14,550 sqft)
Owner	2 Individual Names on File
Last Sale	$40,000 (Feb 2002)
Tax Bill	$1,769 (2026)
Deeds & Mortgages	May 2021 Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`030 03101`

Property Details

APN / Parcel Number

Primary APN	`030 03101`
Alternative APN	`6128`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,501 sqft Living Area
1st Floor Area	1,501 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 2003
Exterior Material	Brick
Lot Area	14,550 sqft (0.33 acres)
Lot Dimensions	194 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	720 sqft
Porch	Porch
Porch Area	30 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	215 11TH ST
City	SPENCER
State	NC
Zip	28159-1903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L3 & PT2 BLK 91 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Block	91
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4012
Census Tract	50700

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	215 11TH ST, SPENCER, NC 28159-1903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Feb 3, 2017	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2002 · Amount on File
Deed Sale	Feb 8, 2002 · Amount on File
Deed Book / Page	931 / 815
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	215 11TH ST, SPENCER, NC 28159-1903
Transaction Type	Mortgage
Record Updated	May 24, 2021
Title Company	NOT AVAILABLE, SERVICELINK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013740364
Date	May 5, 2021
Book Page	1374/364

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 4, 2031

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	215 11TH ST, SPENCER, NC 28159-1903
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012840390
Date	Feb 3, 2017
Book Page	1284/0390

Lender

Name	SUNTRUST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jan 27, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$1,769.00	$156,635 (-) Land $22,400 Building $134,235	$156,635 (-) Land $22,400 Building $134,235
2023	$1,769.00	$156,635 Land $22,400 Building $134,235	$156,635 Land $22,400 Building $134,235

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	0.03% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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