Rowan County property record for 403 Charles St, Spencer, NC 28159 · Last verified October 2023
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2010 |
| Square Footage | 3,044 sqft Living Area |
| Lot Size | 0.439 acres |
| Garage | 552 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $276,000 (2021) |
| Tax Bill | $3,804.00 (2023) |
| Primary APN | 036A097 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 3,044 sqft Living Area |
| Gross Area | 3,471 sqft Gross Area |
| 1st Floor | 1,856 sqft 1st Floor |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick Exterior |
| Foundation Type | Footing Foundation |
| Lot Area | 19,166 sqft |
| Garage Area | 552 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 250 sqft Porch |
| Storage Building | Storage Building |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Heat Pump Heating |
| Account Number | 6302410 |
|---|---|
| Street Address | 403 CHARLES ST |
| City | SPENCER |
| State | NC |
| Zip | 28159-1701 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L 21&PT20 BLK B 607A064B |
| Legal Subdivision | FORESTDALE |
| Legal Block | B |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 1 |
| Census Block | 1027 |
| Census Tract | 50700 |
Source: Rowan County records · APN 036A097
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 403 CHARLES ST, SPENCER, NC 28159-1701 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 13, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Sep 08, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 13, 2021 · Amount on Record |
| Deed Sale | May 13, 2021 · Amount on Record |
| Prior Sale | Sep 08, 2020 · Amount on Record |
| Deed Doc Number | 0001374995 |
| Deed Book / Page | 1374 / 995 |
| Record Refreshed | Jun 07, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 13, 2021 |
| Property Address | 403 CHARLES ST, SPENCER, NC 28159-1701 |
| Document Number | 0013740995 |
| Book / Page | 1374 / 995 |
| Instrument Date | May 13, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $552.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10019 HUNTERS TRACE DR, 10019, CONCORD, NC 28027-7408 |
| Name | Verified Name |
|---|---|
| Address | 403 CHARLES ST, SPENCER, NC 28159-1701 |
| Document Number | 1374996 |
|---|---|
| Date | May 13, 2021 |
| Instrument | 1374/996 |
| Name | ATLANTIC BAY MORTGAGE GROUP 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 | Sep 08, 2020 |
| Property Address | 403 CHARLES ST, SPENCER, NC 28159-1701 |
| Document Number | 0013560015 |
| Book / Page | 001356 / 000015 |
| Instrument Date | Sep 04, 2020 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $200.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 10019 HUNTERS TRACE DR CONCORD NC 280277408, CONCORD, NC 28027-7408 |
Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| 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 |
|---|---|---|---|
| 2023 | $3,804.00 | $336,716 Land $26,500 Building $310,216 | $336,716 Land $26,500 Building $310,216 |
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 5,000 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures