400 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 400 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,669 sqft · built 1966
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Oct 2025)
Tax Bill	$2,106 (2026)
Deeds & Mortgages	Feb 2025 Mortgage May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`036A110`

Property Details

APN / Parcel Number

Primary APN	`036A110`
Alternative APN	`6170888`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,669 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	549 sqft
Finished Basement	549 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	27,007 sqft (0.62 acres)

Exterior Amenities

Porch	Porch
Porch Area	232 sqft
Patio Area	150 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	400 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1702
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	PT3-4 BA
Legal Subdivision	FORESTDALE
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1018
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	400 CHARLES ST, SPENCER, NC 28159-1702
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2025	Deed of Trust, Mortgage UNLIMITED ACQUISITIONS LLC
May 28, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Oct 29, 2025	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Mar 21, 2018	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on Record
Deed Sale	Oct 29, 2025 · Amount on Record
Prior Sale	Mar 7, 2025 · Amount on Record
Deed Book / Page	1471 / 653
Record Updated	Oct 29, 2026

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	400 CHARLES ST, SPENCER, NC 28159-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CHARIES STREET, SPENCER, NC 28159-1702

Mortgage

Document Number	0014570002
Date	Feb 18, 2025
Book Page	1457/2

Lender

Name	UNLIMITED ACQUISITIONS LLC
Type	Non-Lending Institution
Address	FLORENCE, SC 29501

Agreement

Amount	Amount Recorded
Term	1 Months
Due	Mar 3, 2025

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	400 CHARLES ST, SPENCER, NC 28159-1702
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CHARLES ST, SPENCER, NC 28159-1702

Mortgage

Document Number	0014420853
Date	May 28, 2024
Book Page	1442/853

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	287 Months
Due	Apr 1, 2048

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 29, 2025
Property Address	400 CHARLES ST, SPENCER, NC 28159-1702
Document Number	0014710653
Book / Page	1471 / 653
Map Reference	MB 1458 PG 23
Instrument Date	Oct 29, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ATLANTIC CAROLINAS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$490.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11155 HIGHWAY 52US, ROCKWELL, NC 28138

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CHARLES ST, SPENCER, NC 28159-1702

Mortgage

Document Number	0001471654
Date	Oct 29, 2025
Instrument	1471/654

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 21, 2018
Property Address	400 CHARLES ST, SPENCER, NC 28159-1702
Document Number	0013060119
Book / Page	1306 / 0119
Instrument Date	Mar 21, 2018
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$250.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 KNOLLWOOD AVE, 408, SALISBURY, NC 28144-7597

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 CHARLES ST, SPENCER, NC 28159-1702

Mortgage

Document Number	13060120
Date	Mar 21, 2018
Instrument	1306/0120

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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	$2,106.00	$186,421 (-) Land $26,500 Building $159,921	$186,421 (-) Land $26,500 Building $159,921
2025	$2,106.00	$186,421 (-) Land $26,500 Building $159,921
2023	$2,106.00	$186,421 Land $26,500 Building $159,921	$186,421 Land $26,500 Building $159,921

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 78 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

Cell Coverage

5G (outdoors only) and 4G LTE

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