401 17th St, Spencer, NC 28159 Property Records

Rowan County property record for 401 17th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 1,257 sqft · built 1980
Lot Size	0.4 acres (17,500 sqft)
Owner	2 Individual Names on Record
Last Sale	$200,000 (Feb 2023)
Tax Bill	$1,684 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`030 188`

Property Details

APN / Parcel Number

Primary APN	`030 188`
Alternative APN	`6345467`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,257 sqft Living Area
1st Floor Area	1,257 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Lot Area	17,500 sqft (0.4 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Area	399 sqft
Porch	Porch
Porch Area	114 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	401 17TH ST
City	SPENCER
State	NC
Zip	28159-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L12 BLK C
Legal Subdivision	ELIZABETH HEIGHTS
Legal Block	C
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1012
Census Tract	50500

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	2 Individual Names on Record
Mailing Address	401 17TH ST, SPENCER, NC 28159-1913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Mar 19, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Aug 29, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Feb 28, 2023	Warranty Deed, Transfer · FHA Mortgage BAY EQUITY LLC
Nov 3, 2017	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on Record
Deed Sale	Feb 28, 2023 · Amount on Record
Prior Sale	Nov 3, 2017 · Amount on Record
Deed Book / Page	1418 / 901
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Aug 5, 2026
Property Address	401 17TH ST, SPENCER, NC 28159-1913
Document Number	1488000446
Book / Page	1488 / 446
Instrument Date	Jun 17, 2026
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 17TH ST, SPENCER, NC 28159-1913

Mortgage

Document Number	1488000446,
Date	Aug 5, 2026
Book Page	1488/446

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	479 Months
Due	Jul 1, 2066

Interest

Rate	6.51%
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	401 17TH ST, SPENCER, NC 28159-1913
Transaction Type	Mortgage
Record Updated	Apr 2, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 17TH ST, SPENCER, NC 28159-1913

Mortgage

Document Number	0014380953
Date	Mar 19, 2024
Book Page	1438/953

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Mar 1, 2053

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	401 17TH ST, SPENCER, NC 28159-1913
Transaction Type	Mortgage
Record Updated	Sep 12, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 17TH ST, SPENCER, NC 28159-1913

Mortgage

Document Number	0014280796
Date	Aug 29, 2023
Book Page	1428/796

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	TEMPE, AZ 85284

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Mar 1, 2053

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 28, 2023
Property Address	401 17TH ST, SPENCER, NC 28159-1913
Document Number	0014180901
Book / Page	1418 / 901
Map Reference	PG 953
Instrument Date	Feb 28, 2023
Transaction Type	Transfer
Record Updated	Mar 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2030 STELLA CT, CONCORD, NC 28027-0320

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	401 17TH ST, SPENCER, NC 28159-1913

Mortgage

Document Number	0001418902
Date	Feb 28, 2023
Instrument	1418/902

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 3, 2017
Property Address	401 17TH ST, SPENCER, NC 28159-1913
Document Number	0012990383
Book / Page	001299 / 000383
Instrument Date	Nov 3, 2017
Transaction Type	Transfer
Record Updated	Nov 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$207.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 17TH ST SPENCER NC 28159, SPENCER, NC 28159

Mortgage

Document Number	12990384
Date	Nov 3, 2017
Book Page	001299/000384

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 2, 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	$1,684.00	$149,048 (-) Land $28,000 Building $121,048	$149,048 (-) Land $28,000 Building $121,048
2025	$1,684.00	$149,048 (-) Land $28,000 Building $121,048
2023	$1,684.00	$149,048 Land $28,000 Building $121,048	$149,048 Land $28,000 Building $121,048

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 Policies	2 in force
Nearby Flood Claims	4 (1983–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Feb 2020 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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