316 Grant St, Spencer, NC 28159 Property Records

Rowan County property record for 316 Grant St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,320 sqft · built 2008
Lot Size	1.31 acres (57,064 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (May 2017)
Tax Bill	$2,577 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`034 028`

Property Details

APN / Parcel Number

Primary APN	`034 028`
Alternative APN	`6263670`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,320 sqft Living Area
1st Floor Area	1,320 sqft

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	57,064 sqft (1.31 acres)
Lot Dimensions	190 ft deep x 100 ft wide
Deck Area	56 sqft
Storage Building	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	316 GRANT ST
City	SPENCER
State	NC
Zip	28159-1636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L1-12 & 21-24 BLK 6 NORTH ADDITION TO SPENCER
Legal Subdivision	NORTH ADDITION TO SPENCER
Legal Block	6
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3002
Census Tract	50700

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	Individual Name on Record
Mailing Address	316 GRANT ST, SPENCER, NC 28159-1636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit LION'S SHARE CREDIT UNION
Nov 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALLIED MORTGAGE GROUP INC
Jan 24, 2017	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 31, 2017	Warranty Deed, Transfer · FHA Mortgage LAKEVIEW LN SERVICING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on Record
Deed Sale	May 31, 2017 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Book / Page	1290 / 693
Prior Transfer Date	Aug 1, 2007
Prior Transfer Doc	0011010304
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Apr 20, 2026
Property Address	316 GRANT ST, SPENCER, NC 28159-1636
Document Number	1481000416
Book / Page	1481 / 416
Instrument Date	Apr 14, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 GRANT ST, SPENCER, NC 28159-1636

Mortgage

Document Number	1481000416,
Date	Apr 20, 2026
Book Page	1481/416

Lender

Name	LION'S SHARE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	316 GRANT ST, SPENCER, NC 28159-1636
Transaction Type	Mortgage
Record Updated	Apr 24, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013890305
Date	Nov 22, 2021
Book Page	1389/305

Lender

Name	ALLIED MORTGAGE GROUP INC
Type	Mortgage Company
Address	BALA CYNWYD, PA 19004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	316 GRANT ST, SPENCER, NC 28159-1636
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	STEWART TITLE COMPANY 1755

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012830686
Date	Jan 24, 2017
Book Page	1283/0686

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 31, 2017
Property Address	316 GRANT ST, SPENCER, NC 28159-1636
Document Number	0012900693
Book / Page	001290 / 000693
Instrument Date	May 31, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$236.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 GRANT ST SPENCER NC 281591636, SPENCER, NC 28159-1636

Mortgage

Document Number	12900694
Date	May 31, 2017
Book Page	001290/000694

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2047

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	$2,577.00	$228,061 (-) Land $92,400 Building $135,661	$228,061 (-) Land $92,400 Building $135,661
2025	$2,577.00	$228,061 (-) Land $92,400 Building $135,661
2023	$2,577.00	$228,061 Land $92,400 Building $135,661	$228,061 Land $92,400 Building $135,661

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2006)
Most Recent Claim	Nov 2006

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.

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 81 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

Nearby Properties on Grant St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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