305 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 305 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,662 sqft · built 1907
Lot Size	0.17 acres (7,250 sqft)
Owner	2 Individual Names on File
Last Sale	$192,000 (May 2024)
Tax Bill	$2,093 (2026)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 387`

Property Details

APN / Parcel Number

Primary APN	`033 387`
Alternative APN	`6254964`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,662 sqft Living Area
1st Floor Area	1,662 sqft

Exterior

Year Built	Built 1907
Effective Year Built	Effective 2005
Exterior Material	Stucco
Lot Area	7,250 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Porch	Porch
Porch Area	393 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	305 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2232
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L3 BLK 17 A.B. ANDREWS JR.
Legal Subdivision	A B ANDREWS JR
Legal Block	17
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2026
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

305 S Rowan Ave is owned by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	14703 LYON HILL LN, HUNTERSVILLE, NC 28078-3293
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIS BANK
Jul 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2024 · Amount on File
Deed Sale	May 22, 2024 · Amount on File
Prior Sale	Jan 31, 2022 · Amount on File
Deed Book / Page	1442 / 668
Record Updated	Oct 29, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 31, 2022
Property Address	305 S ROWAN AVE, SPENCER, NC 28159-2232
Document Number	0013940145
Book / Page	1394 / 145
Map Reference	MB 9995 PG 3
Instrument Date	Jan 28, 2022
Transaction Type	Transfer
Record Updated	Feb 11, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$334.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 W THOMAS ST, 318, SALISBURY, NC 28144-5352

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	305 S ROWAN AVE, SPENCER, NC 28159-2232

Mortgage

Document Number	0001394146
Date	Jan 31, 2022
Instrument	1394/146

Lender

Name	AMERIS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	305 S ROWAN AVE, SPENCER, NC 28159-2232
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013520618
Date	Jul 20, 2020
Book Page	1352/618

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 305 S Rowan Ave was $2,093.

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	$2,093.00	$185,284 Land $19,000 Building $166,284	$185,284 Land $19,000 Building $166,284
2023	$1,883.00	$166,655 Land $19,000 Building $147,655	$166,655 Land $19,000 Building $147,655

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

Flood

FEMA maps place 305 S Rowan Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 305 S Rowan Ave is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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