Rowan County property record for 404 S Whitehead Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,488 sqft · built 1949 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,000 (Aug 2005) |
| Tax Bill | $2,050 (2026) |
| Deeds & Mortgages | Aug 2017 Mortgage Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 071 |
| Primary APN | 033 071 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,488 sqft Living Area |
| 1st Floor Area | 1,488 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 181 ft deep x 96 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 45 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 404 S WHITEHEAD AVE |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8:SINGLE |
| Legal Description | L5-6 BLK 3 CHAS. B. JORDAN'S ADDT. .40AC |
| Legal Block | 3 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3006 |
| Census Tract | 50700 |
404 S Whitehead Ave is owned and occupied by an individual who bought it in August 2005.
Source: Rowan County records, as of August 25, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 S WHITEHEAD AVE, SPENCER, NC 28159-1662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 16, 2017 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE |
| Jul 29, 2019 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 5, 2005 · Amount on File |
| Deed Sale | Aug 5, 2005 · Amount on File |
| Deed Book / Page | 1042 / 814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 404 S WHITEHEAD AVE, SPENCER, NC 28159-1662 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TITLE 365 |
| Name | Verified Name |
|---|
| Document Number | 0012940914 |
|---|---|
| Date | Aug 16, 2017 |
| Book Page | 1294/0914 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 404 S WHITEHEAD AVE, SPENCER, NC 28159-1662 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013310760 |
|---|---|
| Date | Jul 29, 2019 |
| Book Page | 1331/0760 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
The 2026 property tax bill for 404 S Whitehead Ave was $2,050.
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 | $2,050.00 | $181,420 Land $30,600 Building $150,820 | $181,420 Land $30,600 Building $150,820 |
| 2023 | $2,050.00 | $181,420 Land $30,600 Building $150,820 | $181,420 Land $30,600 Building $150,820 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 404 S Whitehead Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2006.
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 Claims | 1 (2006) |
| Most Recent Claim | Nov 2006 |
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 risk around 404 S Whitehead Ave is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
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 147 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 |
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