401 7th St, Spencer, NC 28159 Property Records

Rowan County property record for 401 7th St, Spencer, NC 28159 · Last verified October 2023

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,120 sqft · built 1922
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jan 2020)
Tax Bill	$1,191 (2023)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031 071`

Property Details

APN / Parcel Number

Primary APN	`031 071`
Alternative APN	`383120000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,120 sqft Living Area
Gross Area	1,400 sqft
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	7,250 sqft (0.166 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Porch	Porch
Porch Area	306 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	383120000
Old Parcel Number	031 071
Street Address	401 7TH ST
City	SPENCER
State	NC
Zip	28159-2147
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 B51 HENDERSON AND VANDERFORD
Legal Subdivision	HENDERSON VANDERFORDS ADD
Legal Block	51
Legal Lot Number	1
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4023
Census Tract	50700

Owner

Source: Rowan County records · APN 031 071

Assessment roll updated January 1, 2023 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	401 7TH ST, SPENCER, NC 28159-2147
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 16, 2020 · Amount on Record
Deed Sale	Jan 16, 2020 · Amount on Record
Deed Document Number	0001341783
Deed Book / Page	1341 / 783
Record Updated	Jun 07, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 16, 2020
Property Address	401 7TH ST, SPENCER, NC 28159-2147
Document Number	0013410783
Book / Page	001341 / 000783
Instrument Date	Jan 15, 2020
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 7TH ST SPENCER NC 281592147, SPENCER, NC 28159-2147

Mortgage

Document Number	13410784
Date	Jan 16, 2020
Book Page	001341/000784

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 15, 2050

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,191.00	$105,456 Land $12,500 Building $92,956	$105,456 Land $12,500 Building $92,956

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 7,692 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Historic Designation

Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.