Rowan County property record for 345 McCubbins St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,512 sqft · built 2022 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Aug 2024) |
| Tax Bill | $3,165 (2026) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Nov 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 008 |
| Primary APN | 033 008 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,512 sqft Living Area |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 150 ft deep x 100 ft wide |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 345 MCCUBBINS ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1604 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L1-2 BLK 6 B.F. LIVELY AND CO |
| Legal Subdivision | B F LIVELY AND CO |
| Legal Block | 6 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 50700 |
345 McCubbins St is owned by an individual who bought it in August 2024.
Source: Rowan County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 345 MCCUBBINS ST, 1, SPENCER, NC 28159-1604 |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Nov 23, 2021 | Warranty Deed, Transfer |
| Oct 5, 2020 | Loan Modification, Mortgage · Conventional with PMI SOUTH ST BK |
| Mar 13, 2018 | Deed of Trust, Construction Loan · Construction Mortgage SOUTH ST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 2, 2024 · Amount on File |
| Deed Sale | Aug 2, 2024 · Amount on File |
| Prior Sale | Jun 26, 2023 · Amount on File |
| Deed Book / Page | 1446 / 523 |
| Prior Transfer Date | Jul 31, 2007 |
| Prior Transfer Doc | 0011290384 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jun 26, 2023 |
| Property Address | 345 MCCUBBINS ST, SPENCER, NC 28159-1604 |
| Document Number | 0014250446 |
| Book / Page | 1425 / 446 |
| Instrument Date | Jun 23, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 7, 2023 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $578.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 746 SAINT ANDREWS RD, STATESVILLE, NC 28625-4697 |
| Name | Verified Name |
|---|---|
| Address | 345 MCCUBBINS ST, SPENCER, NC 28159-1604 |
| Document Number | 0001425447 |
|---|---|
| Date | Jun 26, 2023 |
| Instrument | 1425/447 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 23, 2021 |
| Property Address | 345 MCCUBBINS ST, SPENCER, NC 28159-1604 |
| Document Number | 0013890514 |
| Book / Page | 1389 / 514 |
| Instrument Date | Nov 16, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $32.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 540 BROOK CIR, SALISBURY, NC 28147-9430 |
| Name | Verified Name |
|---|---|
| Address | 746 SAINT ANDREWS RD, STATESVILLE, NC 28625-4697 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | MCCUBBINS ST, SPENCER, NC 28159 |
| Document Number | 0013580322 |
| Instrument Date | Oct 5, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 16, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2120 GOLD KNOB RD SALISBURY NC 281462597, SALISBURY, NC 28146-2597 |
| Document Number | 0013580322 |
|---|---|
| Date | Oct 9, 2020 |
| Book Page | 001358/000322 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | CHARLESTON, SC 29423-9910 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Oct 8, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 13, 2018 |
| Property Address | MCCUBBINS ST, SPENCER, NC 28159 |
| Document Number | 0013050643 |
| Book / Page | 001305 / 000643 |
| Instrument Date | Mar 12, 2018 |
| Transaction Type | Construction Loan |
| Record Updated | Jan 22, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 2413 WEDGEWOOD DR SALISBURY NC 281467861, SALISBURY, NC 28146-7861 |
| Document Number | 13050643 |
|---|---|
| Date | Mar 13, 2018 |
| Book Page | 001305/000643 |
| Name | SOUTH ST BK |
|---|---|
| Type | Bank |
| Address | N CHARLESTON, SC 29406 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 12, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
The 2026 property tax bill for 345 McCubbins St was $3,165.
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,165.00 | $280,106 (-) Land $24,480 Building $255,626 | $280,106 Land $24,480 Building $255,626 |
| 2025 | $3,165.00 | $280,106 Land $24,480 Building $255,626 | |
| 2023 | $3,165.00 (+1,338.64%) | $280,106 (+1,571.08%) Land $24,480 Building $255,626 | $280,106 (+1,571.08%) Land $24,480 Building $255,626 |
| 2022 | $220.00 | $16,762 Land $16,762 | $16,762 Land $16,762 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 345 McCubbins St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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 risk around 345 McCubbins St is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 147 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 |
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