403 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 403 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,863 sqft · built 1912
Lot Size	0.17 acres (7,250 sqft)
Owner	2 Individual Names on File
Last Sale	$28,000 (Aug 2019)
Tax Bill	$3,049 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Mar 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`032 037`

Property Details

APN / Parcel Number

Primary APN	`032 037`
Alternative APN	`6127981`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,863 sqft Living Area
1st Floor Area	1,636 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Lot Area	7,250 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Porch	Porch
Porch Area	424 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	403 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L 2 LK 16 A.B. ANDREWS JR.
Legal Subdivision	A B ANDREWS JR
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4030
Census Tract	50700

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 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.

Owner

403 S Rowan Ave is owned by two individuals who acquired it in March 2023.

Source: Rowan County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2702 PROSPECT AVE, A, LA CRESCENTA, CA 91214-3812
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 15, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 14, 2023	Intrafamily Transfer, Transfer AMROCK INC, AMROCK
Aug 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2019 · Amount on File
Deed Sale	Aug 7, 2019 · Amount on File
Deed Book / Page	1332 / 320
Last Transfer Date	Mar 12, 2023
Transfer Doc	0014190810
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Mar 15, 2023
Property Address	403 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0014190810
Book / Page	1419 / 810
Instrument Date	Mar 12, 2023
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4470 S CENTINELA AVE APT 103, 103, LOS ANGELES, CA 90066-7112

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Community Property
Address	403 S ROWAN AVE, SPENCER, NC 28159-2234

Mortgage

Document Number	0001419811
Date	Mar 15, 2023
Instrument	1419/811

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Mar 14, 2023
Property Address	403 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0014190775
Book / Page	1419 / 775
Instrument Date	Mar 6, 2023
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	AMROCK INC, AMROCK

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3616 E 2ND ST, LONG BEACH, CA 90803-5275

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4470 S CENTINELA AVE APT 103, 103, LOS ANGELES, CA 90066-7112

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 7, 2019
Property Address	403 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0013320320
Book / Page	001332 / 000320
Instrument Date	Aug 5, 2019
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$56.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4470 S CENTINELA AVE #103 LOS ANGELES CA 900667112, 103, LOS ANGELES, CA 90066-7112

Tax Assessment & Valuation

The 2026 property tax bill for 403 S Rowan Ave was $3,049.

Source: Rowan County assessment roll, as of August 25, 2026

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
2026	$3,049.00	$269,830 (-) Land $18,000 Building $251,830	$269,830 Land $18,000 Building $251,830
2025	$3,049.00	$269,830 Land $18,000 Building $251,830
2023	$3,049.00	$269,830 Land $18,000 Building $251,830	$269,830 Land $18,000 Building $251,830

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

Flood

FEMA maps place 403 S Rowan Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 403 S Rowan Ave is low, with a 0.01% annual chance of 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	0.01% annual chance
Exposure	Indirect within ember reach

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

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Rowan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures