Rowan County property record for 301 4th St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 3,627 sqft Living Area |
| Lot Size | 8,500 sqft (0.2 acres) |
| Garage | Detached, 320 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $196,000 (2020) |
| Tax Bill | $5,276.00 (2025) |
| Primary APN | 033 365 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 3,627 sqft Living Area |
| 1st Floor | 2,049 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Wood Siding Exterior |
| Lot Area | 8,500 sqft (0.2 acres) |
| Depth X Width | 100 ft x 85 ft Depth x Width |
| Garage Type | Detached Garage |
| Garage Area | 320 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 630 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 301 4TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2217 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PTL19-20 BLK 23 A.B. ANDREWS JR. |
| Legal Subdivision | A B ANDREWS JR |
| Legal Block | 23 |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 4 |
| Census Block | 4029 |
| Census Tract | 50700 |
Source: Rowan County records · APN 033 365
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 09, 2026 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK |
| Feb 08, 2022 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK |
| May 08, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FARMERS & MERCHANTS NAT'L BK |
| Feb 06, 2020 | Deed of Trust, Mortgage · Line of Credit QUANTA FIN LLC |
| Dec 20, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 08, 2020 · Amount on Record |
| Deed Sale | May 08, 2020 · Amount on Record |
| Prior Sale | Dec 20, 2019 · Amount on Record |
| Deed Book / Page | 1348 / 119 |
| Prior Transfer Date | Jun 10, 2014 |
| Prior Transfer Doc | 0012420616 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Transaction Type | Mortgage |
| Record Updated | Jan 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Document Number | 0014750699 |
|---|---|
| Date | Jan 09, 2026 |
| Book Page | 1475/699 |
| Name | FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 05, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 301 45TH ST, SPENCER, NC 28159 |
| Document Number | 0013940732 |
|---|---|
| Date | Feb 08, 2022 |
| Book Page | 1394/732 |
| Name | FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Feb 03, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 08, 2020 |
| Property Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Document Number | 0013480119 |
| Book / Page | 001348 / 000119 |
| Instrument Date | Apr 28, 2020 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $392.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 301 4TH ST SPENCER NC 281592217, SPENCER, NC 28159-2217 |
| Document Number | 13480120 |
|---|---|
| Date | May 08, 2020 |
| Book Page | 001348/000120 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 07, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Document Number | 0013430373 |
| Instrument Date | Feb 06, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 04, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 1435 W MOREHEAD ST #130 CHARLOTTE NC 282085208, 130, CHARLOTTE, NC 28208-5208 |
| Document Number | 0013430373 |
|---|---|
| Date | Feb 13, 2020 |
| Book Page | 001343/000373 |
| Name | QUANTA FIN LLC |
|---|---|
| Address | 4199 E THOUSAND OAKS BLVD # 201, WESTLAKE VILLAGE, CA 91362 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 20, 2019 |
| Property Address | 301 4TH ST, SPENCER, NC 28159-2217 |
| Document Number | 0013400130 |
| Book / Page | 001340 / 000130 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Transfer |
| Record Updated | Jan 06, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 227 W 4TH ST #237 CHARLOTTE NC 282021545, 237, CHARLOTTE, NC 28202-1545 |
| Investor | Possibly a Property Investor |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,276.00 | $466,969 (-) Land $26,600 Building $440,369 | |
| 2023 | $5,276.00 | $466,969 Land $26,600 Building $440,369 | $466,969 Land $26,600 Building $440,369 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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