Rowan County property record for 403 7th St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 1,584 sqft Living Area |
| Lot Size | 7,250 sqft (0.17 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2025) |
| Tax Bill | $2,305.00 (2025) |
| Primary APN | 031 070 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Partial Baths | 1 Partial Baths |
| Building Area | 1,584 sqft Living Area |
| 1st Floor | 1,085 sqft 1st Floor |
| Basement Area | 846 sqft Basement |
| Unfinished Basement | 846 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 7,250 sqft (0.17 acres) |
| Depth X Width | 145 ft x 50 ft Depth x Width |
| Deck Area | 140 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 315 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 403 7TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2147 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L2 BLK 51 ELIZABETH B. HENDERSON & MARY E. VANDERFORD |
| Legal Subdivision | HENDERSON AND VANDERFORDS ADDITION |
| Legal Block | 51 |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 4 |
| Census Block | 4023 |
| Census Tract | 50700 |
Source: Rowan County records · APN 031 070
Assessment roll updated August 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 02, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Nov 10, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Aug 15, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jun 11, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 02, 2025 · Amount on Record |
| Deed Sale | Jan 02, 2025 · Amount on Record |
| Prior Sale | Aug 15, 2018 · Amount on Record |
| Prior Transfer Date | May 18, 2018 |
| Prior Transfer Doc | 0013100691 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Transaction Type | Mortgage |
| Record Updated | Sep 13, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0013830344 |
|---|---|
| Date | Sep 02, 2021 |
| Book Page | 1383/344 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 326 Months |
| Due | Nov 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0013600707 |
|---|---|
| Date | Nov 10, 2020 |
| Book Page | 1360/707 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Oct 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 15, 2018 |
| Property Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Document Number | 0013140194 |
| Book / Page | 1314 / 0194 |
| Map Reference | MB 112 PG 123 |
| Instrument Date | Aug 15, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $238.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1407 SUNCREST DR, 1407, HIGH POINT, NC 27265-9705 |
| Name | Verified Name |
|---|---|
| Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Document Number | 13140195 |
|---|---|
| Date | Aug 15, 2018 |
| Instrument | 1314/0195 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jun 11, 2018 |
| Property Address | 403 7TH ST, SPENCER, NC 28159-2147 |
| Document Number | 0013100691 |
| Book / Page | 001310 / 000691 |
| Instrument Date | May 18, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 403 7TH ST SPENCER NC 281592147, SPENCER, NC 28159-2147 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 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 | $2,305.00 | $204,010 (-) Land $12,500 Building $191,510 | |
| 2023 | $2,305.00 | $204,010 Land $12,500 Building $191,510 | $204,010 Land $12,500 Building $191,510 |
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 |
| 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.
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.
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