220 N Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 220 N Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,566 sqft · built 1956
Lot Size	0.31 acres (13,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,798 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035 052`

Property Details

APN / Parcel Number

Primary APN	`035 052`
Alternative APN	`6343214`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,566 sqft Living Area
1st Floor Area	1,390 sqft
Basement Area	848 sqft
Unfinished Basement	848 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2008
Exterior Material	Brick
Lot Area	13,500 sqft (0.31 acres)
Lot Dimensions	180 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	212 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	220 N ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2426
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L78-80 NEWTON HEIGHTS
Legal Subdivision	NEWTON HEIGHTS ADDITION TO SPENCER
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2018
Census Tract	50700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Spencer Historic District listed 1984 · 282 contributing resources · NRIS 84000619

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	2 Individual Names on Record
Mailing Address	220 N ROWAN AVE, SPENCER, NC 28159-2426
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2022	Intrafamily Transfer, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC
Apr 13, 2021	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 30, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022
Deed Sale	Nov 18, 2022
Prior Sale	Apr 13, 2021 · Amount on Record
Deed Book / Page	1413 / 927
Prior Transfer Date	Nov 14, 2022
Prior Transfer Doc	0014130927
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Nov 18, 2022
Property Address	220 N ROWAN AVE, SPENCER, NC 28159-2426
Document Number	0014130927
Book / Page	1413 / 927
Map Reference	PG 144
Instrument Date	Nov 14, 2022
Transaction Type	Transfer
Record Updated	Dec 1, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 N ROWAN AVE, 220, SPENCER, NC 28159-2426

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N ROWAN AVE, SPENCER, NC 28159-2426

Mortgage

Document Number	0001413928
Date	Nov 18, 2022
Instrument	1413/928

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 13, 2021
Property Address	220 N ROWAN AVE, SPENCER, NC 28159-2426
Document Number	0013720588
Book / Page	1372 / 588
Map Reference	PG 144
Instrument Date	Apr 12, 2021
Transaction Type	Transfer
Record Updated	May 18, 2021

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	149 BELLS CROSSING DR, 149, MOORESVILLE, NC 28117-8500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N ROWAN AVE, SPENCER, NC 28159-2426

Mortgage

Document Number	1372589
Date	Apr 13, 2021
Instrument	1372/589

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 14, 2019
Property Address	220 N ROWAN AVE, SPENCER, NC 28159-2426
Document Number	0013210556
Book / Page	1321 / 0556
Map Reference	PG 144
Instrument Date	Jan 14, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$316.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 174, SALISBURY, NC 28145-0174

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 N ROWAN AVE, SPENCER, NC 28159-2426

Mortgage

Document Number	13210557
Date	Jan 14, 2019
Instrument	1321/0557

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2039

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 30, 2017
Property Address	220 N ROWAN AVE, SPENCER, NC 28159-2426
Document Number	0012870298
Book / Page	001287 / 000298
Instrument Date	Mar 25, 2017
Transaction Type	Transfer
Record Updated	Apr 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$120.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 CASTLEWOOD DR #1022 SALISBURY NC 281471236, 1022, SALISBURY, NC 28147-1236

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	$2,798.00	$247,647 (-) Land $21,000 Building $226,647	$247,647 (-) Land $21,000 Building $226,647
2025	$2,798.00	$247,647 (-) Land $21,000 Building $226,647
2023	$2,798.00	$247,647 Land $21,000 Building $226,647	$247,647 Land $21,000 Building $226,647

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Nearby Properties on N Rowan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures