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300 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 300 Charles St, Spencer, NC 28159

Property Summary

Property TypeSingle Family Home
Details1.5 ba · 1,305 sqft · built 1959
Lot Size0.91 acres (39,640 sqft)
OwnerIndividual Name on File
Last Sale$236,000 (Mar 2022)
Tax Bill$2,395 (2025)
Deeds & MortgagesMar 2022 Sale & Mortgage
Feb 2021 Transfer
Flood ZoneZone X (minimal risk)
APN038 04401

Property Details

APN / Parcel Number

Primary APN038 04401
Alternative APN
  • 1271

Interior

Full Baths1.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,305 sqft Living Area
1st Floor Area1,305 sqft
Basement Area1,240 sqft
Unfinished Basement1,240 sqft

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 2010
Exterior MaterialBrick
Lot Area39,640 sqft (0.91 acres)
Lot Dimensions236 ft deep x 177 ft wide
Garage TypeDetached
Garage Area320 sqft

Exterior Amenities

PorchPorch
Porch Area63 sqft
Deck Area288 sqft
Lean-ToLean-To

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Street Address300 CHARLES ST
CitySPENCER
StateNC
Zip28159-1844
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR20:SINGLE
Legal Description.91AC
JurisdictionROWAN NC
Township / Civil DivisionSALISBURY
Census Block Group1
Census Block1028
Census Tract50700

Owner

Source: Rowan County records · APN 038 04401

Assessment roll updated August 8, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address300 CHARLES ST, SPENCER, NC 28159-1844
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 08, 2022Warranty Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Feb 08, 2021Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMar 08, 2022 · Amount on Record
Deed SaleMar 08, 2022 · Amount on Record
Prior SaleOct 31, 1990 · Amount on Record
Deed Book / Page1396 / 921
Prior Transfer DateFeb 03, 2021
Prior Transfer Doc0013670524
Record UpdatedJun 08, 2026

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROWAN NC
Recording DateMar 08, 2022
Property Address300 CHARLES ST, SPENCER, NC 28159-1844
Document Number0013960921
Book / Page1396 / 921
Instrument DateMar 07, 2022
Transaction TypeTransfer
Record UpdatedNov 04, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$472.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address935 DREWRY ST NE, 935, ATLANTA, GA 30306-3822

Transferred To (Grantee/Buyer)

NameVerified Name
Address300 CHARLES ST, SPENCER, NC 28159-1844

Mortgage

Document Number0001396922
DateMar 08, 2022
Instrument1396/922
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

February 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionROWAN NC
Recording DateFeb 08, 2021
Property Address300 CHARLES ST, SPENCER, NC 28159-1844
Document Number0013670524
Book / Page1367 / 524
Instrument DateFeb 03, 2021
Transaction TypeTransfer
Record UpdatedNov 04, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 2114, SALISBURY, NC 28145-2114

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyRowan County
MunicipalitySpencer Town
Unified School DistrictRowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$2,395.00$211,987 (-) Land $27,750 Building $184,237
2023$2,395.00$211,987 Land $27,750 Building $184,237$211,987 Land $27,750 Building $184,237

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 in force
Nearby Flood Claims1 (2020)
Most Recent ClaimAug 2020 · river or lake flooding

Wildfire

Wildfire RiskLow
lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

Based on FCC filings for 78 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSALISBURY-ROWAN
serves 46,156 people
Water SourceSurface water
Last State InspectionFeb 2026
Lead13 ppb (2026–2028)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureOrganic carbon removal
Oct 2022
Monitoring and Reporting2
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.

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