Rowan County property record for 404 Charles St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,973 sqft · built 1966 |
| Lot Size | 0.61 acres (26,572 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $240,000 (Feb 2025) |
| Tax Bill | $3,023 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 036A105 |
| Primary APN | 036A105 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,973 sqft Living Area |
| 1st Floor Area | 1,973 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1966 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Lot Area | 26,572 sqft (0.61 acres) |
| Garage Area | 484 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 33 sqft |
| Patio Area | 180 sqft |
| Canopy | 240 sqft |
| Storage Building | 128 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 404 CHARLES ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1702 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8:SINGLE |
| Legal Description | L5 & PT3-4 BA |
| Legal Subdivision | FORESTDALE |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 50700 |
Source: Rowan County records, as of August 25, 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 Record |
|---|---|
| Mailing Address | 3609 TUCKASCCGEE RD, CHARLOTTE, NC 28208 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 28, 2025 · Amount on Record |
| Deed Sale | Feb 28, 2025 · Amount on Record |
| Deed Book / Page | 1457 / 602 |
| Record Updated | Oct 29, 2026 |
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,023.00 (+3.7%) | $267,525 (+3.68%) Land $26,500 Building $241,025 | $267,525 (+3.68%) Land $26,500 Building $241,025 |
| 2023 | $2,915.00 | $258,033 Land $26,500 Building $231,533 | $258,033 Land $26,500 Building $231,533 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 78 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 |
5G (outdoors only) and 4G LTE
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