Rowan County property record for 401 Pinecroft Ln, Spencer, NC 28159 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 1.5 Baths |
| Year Built | Built 2002 |
| Square Footage | 2,025 sqft Living Area |
| Lot Size | 15,246 sqft (0.35 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Last Sale | $337,000 (2025) |
| Tax Bill | $2,926.00 (2025) |
| Primary APN | 036A095 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 2,025 sqft Living Area |
| 1st Floor | 2,025 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Exterior |
| Lot Area | 15,246 sqft (0.35 acres) |
| Garage Type | Carport Garage |
| Carport | Carport |
| Patio Area | 434 sqft Patio |
|---|---|
| Porch | 1 Porch |
| Porch Area | 428 sqft Porch |
| Storage Building | Storage Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Street Address | 401 PINECROFT LN |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1725 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L1 BE |
| Legal Subdivision | FORESTDALE |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 1 |
| Census Block | 1037 |
| Census Tract | 50700 |
Source: Rowan County records · APN 036A095
Assessment roll updated August 8, 2025 · Last verified August 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 File |
|---|---|
| Mailing Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PLANET HOME LENDING LLC |
| May 11, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ALCOVA MORTGAGE LLC |
| Dec 31, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Apr 24, 2017 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 27, 2025 · Amount on Record |
| Deed Sale | Feb 27, 2025 · Amount on Record |
| Prior Sale | May 11, 2021 · Amount on Record |
| Deed Book / Page | 1457 / 518 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Transaction Type | Mortgage |
| Record Updated | Mar 08, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0013960208 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 1396/208 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 11, 2021 |
| Property Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Document Number | 0013740801 |
| Book / Page | 1374 / 801 |
| Instrument Date | May 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $559.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 103 STONEWALL RD, 103, SALISBURY, NC 28144-2861 |
| Name | Verified Name |
|---|---|
| Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Document Number | 1374802 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 1374/802 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 31, 2020 |
| Property Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Document Number | 0013640240 |
| Book / Page | 001364 / 000240 |
| Instrument Date | Dec 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $310.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 235 STEEPLE CHASE TRL SALISBURY NC 281448507, SALISBURY, NC 28144-8507 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 401 PINECROFT LN, SPENCER, NC 28159-1725 |
| Document Number | 0012890016 |
| Instrument Date | Apr 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2018 |
| Name | Verified Name |
|---|---|
| Address | 401 PINECROFT LN SPENCER NC 281591725, SPENCER, NC 28159-1725 |
| Document Number | 0012890016 |
|---|---|
| Date | Apr 28, 2017 |
| Book Page | 001289/000016 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 27, 2032 |
| Rate Type | Adjustable Rate |
|---|
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
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 |
|---|---|---|---|
| 2025 | $2,926.00 | $258,954 (-) Land $26,500 Building $232,454 | |
| 2023 | $2,926.00 | $258,954 Land $26,500 Building $232,454 | $258,954 Land $26,500 Building $232,454 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 6,250 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.
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