405 7th St, Spencer, NC 28159 Property Records

Rowan County property record for 405 7th St, Spencer, NC 28159 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,824 sqft · built 1925
Lot Size	0.33 acres (14,500 sqft)
Owner	Individual Name on File
Last Sale	$260,000 (Dec 2025)
Tax Bill	$2,483 (2025)
Deeds & Mortgages	Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`031 069`

Property Details

APN / Parcel Number

Primary APN	`031 069`
Alternative APN	`6064785`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,824 sqft Living Area
1st Floor Area	1,824 sqft
Basement Area	456 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 2006
Exterior Material	Wood Siding
Lot Area	14,500 sqft (0.33 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Porch	Porch
Porch Area	640 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	405 7TH ST
City	SPENCER
State	NC
Zip	28159-2152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L3-4 BLK 51 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Block	51
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4023
Census Tract	50700

Owner

Source: Rowan County records · APN 031 069

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	405 7TH ST, SPENCER, NC 28159-2152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 23, 2025 · Amount on Record
Deed Sale	Dec 23, 2025 · Amount on Record
Prior Sale	Feb 14, 2022 · Amount on Record
Deed Book / Page	1474 / 883
Record Updated	Jun 08, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 23, 2025
Property Address	405 7TH ST, SPENCER, NC 28159-2152
Document Number	0014740883
Book / Page	1474 / 883
Instrument Date	Dec 23, 2025
Transaction Type	Transfer
Record Updated	Jan 07, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17133 RED FEATHER DR, CHARLOTTE, NC 28277-2991

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 7TH ST, SPENCER, NC 28159-2152

Mortgage

Document Number	0001474884
Date	Dec 23, 2025
Instrument	1474/884

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 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

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	$2,483.00	$219,747 (-) Land $25,000 Building $194,747
2023	$2,483.00	$219,747 Land $25,000 Building $194,747	$219,747 Land $25,000 Building $194,747

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

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.

Historic Designation

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.