402 Pinecroft Ln, Spencer, NC 28159 Property Records

Rowan County property record for 402 Pinecroft Ln, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,422 sqft · built 1966
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jul 2020)
Tax Bill	$2,332 (2023)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036A112`

Property Details

APN / Parcel Number

Primary APN	`036A112`
Alternative APN	`32386000001`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,422 sqft Living Area
1st Floor Area	1,422 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 2002
Exterior Material	Brick
Foundation Type	Footing
Lot Area	26,136 sqft
Garage Area	399 sqft

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Patio Area	160 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	32386000001
Street Address	402 PINECROFT LN
City	SPENCER
State	NC
Zip	28159-1726
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE FAM-8
Legal Description	L11 & PT12 BD
Legal Subdivision	FORESTDALE MAP
Legal Block	D
Legal Lot Number	11
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1026
Census Tract	50700

Owner

Source: Rowan County records, as of October 9, 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 Record
Co-owner	Co-owner on Record
Mailing Address	402 PINECROFT LN, SPENCER, NC 28159-1726
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2020 · Amount on Record
Deed Sale	Jul 31, 2020 · Amount on Record
Deed Document Number	0001353572
Deed Book / Page	1353 / 572
Record Updated	Jun 7, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 31, 2020
Property Address	402 PINECROFT LN, SPENCER, NC 28159-1726
Document Number	0013530572
Book / Page	1353 / 572
Instrument Date	Jul 31, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15 CHARLES ST, 15, SPENCER, NC 28159

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 PINECROFT LN, SPENCER, NC 28159-1726

Mortgage

Document Number	1353573
Date	Jul 31, 2020
Instrument	1353/573

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Aug 1, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of January 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$2,332.00	$206,381 Land $26,500 Building $179,881	$206,381 Land $26,500 Building $179,881

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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