223 Earnhardt St, Spencer, NC 28159 Property Records

Rowan County property record for 223 Earnhardt St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,360 sqft · built 1930
Lot Size	0.41 acres (18,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,000 (Oct 2022)
Tax Bill	$1,170 (2026)
Deeds & Mortgages	Nov 2022 Transfer Oct 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`035 049`

Property Details

APN / Parcel Number

Primary APN	`035 049`
Alternative APN	`6278831`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,360 sqft Living Area
1st Floor Area	1,360 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1984
Exterior Material	Other
Foundation Type	Footing
Lot Area	18,000 sqft (0.41 acres)
Lot Dimensions	180 ft deep x 100 ft wide
Porch	Porch
Porch Area	144 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	223 EARNHARDT ST
City	SPENCER
State	NC
Zip	28159-2401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L59-62 NEWTON HEIGHTS
Legal Subdivision	NEWTON HEIGHTS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2018
Census Tract	50700

Owner

Source: Rowan County records, as of October 9, 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	223 EARNHARDT ST, SPENCER, NC 28159-2401
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Al (and Others)

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2022	Intrafamily Transfer, Transfer
Oct 28, 2022	Warranty Deed, Transfer · Conventional Mortgage COGENT BANK
Dec 28, 2017	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2022 · Amount on Record
Deed Sale	Oct 28, 2022 · Amount on Record
Prior Sale	May 30, 2007 · Amount on Record
Deed Book / Page	1412 / 744
Record Updated	Oct 29, 2026

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Nov 3, 2022
Property Address	223 EARNHARDT ST, SPENCER, NC 28159-2401
Document Number	0014130142
Book / Page	1413 / 142
Map Reference	PG 144
Instrument Date	Oct 28, 2022
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 EARNHARDT ST, 223, SPENCER, NC 28159-2401

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	223 EARNHARDT ST, SPENCER, NC 28159-2401

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 28, 2022
Property Address	223 EARNHARDT ST, SPENCER, NC 28159-2401
Document Number	0014120744
Book / Page	1412 / 744
Map Reference	PG 144
Instrument Date	Oct 28, 2022
Transaction Type	Transfer
Record Updated	Nov 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$272.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9705 HICKORY HOLLOW RD, 9705, LEESBURG, FL 34788-9356

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	223 EARNHARDT ST, SPENCER, NC 28159-2401

Mortgage

Document Number	0001412745
Date	Oct 28, 2022
Instrument	1412/745

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	223 EARNHARDT ST, SPENCER, NC 28159-2401
Document Number	0013020267
Book / Page	001302 / 000267
Instrument Date	Dec 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	223 EARNHARDT ST SPENCER NC 281592401, SPENCER, NC 28159-2401

Mortgage

Document Number	0013020267
Date	Jan 3, 2018
Book Page	001302/000267

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 2, 2048

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	$1,170.00	$103,617 (-) Land $26,250 Building $77,367	$103,617 (-) Land $26,250 Building $77,367
2025	$1,170.00	$103,617 (-) Land $26,250 Building $77,367
2023	$1,170.00	$103,617 Land $26,250 Building $77,367	$103,617 Land $26,250 Building $77,367

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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