Rowan County property record for 405 8th St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,147 sqft · built 1936 |
| Lot Size | 0.4 acres (17,600 sqft) |
| Owner | Individual Name on File |
| Last Sale | $67,500 (Apr 2018) |
| Tax Bill | $1,561 (2025) |
| Deeds & Mortgages | May 2024 Line of Credit Apr 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 031 061 |
| Primary APN | 031 061 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,147 sqft Living Area |
| 1st Floor Area | 1,252 sqft |
| Basement Area | 613 sqft |
| Unfinished Basement | 613 sqft |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Lot Area | 17,600 sqft (0.4 acres) |
| Lot Dimensions | 176 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 308 sqft |
| Porch | Porch |
| Porch Area | 36 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 405 8TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2033 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L2-3 BLK 76 ELIZABETH B. HENDERSON & MARY E. VANDERFORD |
| Legal Subdivision | HENDERSON & VANDERFORD |
| Legal Block | 76 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 50700 |
Source: Rowan County records · APN 031 061
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 8TH ST, SPENCER, NC 28159-2033 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 06, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 12, 2018 | Warranty Deed, Transfer STATE EMPS FCU/NY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 12, 2018 · Amount on Record |
| Deed Sale | Apr 12, 2018 · Amount on Record |
| Prior Sale | Mar 21, 2012 · Amount on Record |
| Deed Book / Page | 1307 / 319 |
| Prior Transfer Date | Sep 16, 2013 |
| Prior Transfer Doc | 0012240299 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 405 8TH ST, SPENCER, NC 28159-2033 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0014410662 |
|---|---|
| Date | May 06, 2024 |
| Book Page | 1441/662 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Apr 12, 2018 |
| Property Address | 405 8TH ST, SPENCER, NC 28159-2033 |
| Document Number | 0013070319 |
| Book / Page | 001307 / 000319 |
| Instrument Date | Apr 12, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $135.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 8TH ST SPENCER NC 281592033, SPENCER, NC 28159-2033 |
| Document Number | 13070320 |
|---|---|
| Date | Apr 12, 2018 |
| Book Page | 001307/000320 |
| Name | STATE EMPS FCU/NY |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611-5279 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 11, 2048 |
| Rate | 4.87% |
|---|
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| 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 |
|---|---|---|---|
| 2025 | $1,561.00 | $138,172 (-) Land $25,000 Building $113,172 | |
| 2023 | $1,561.00 | $138,172 Land $25,000 Building $113,172 | $138,172 Land $25,000 Building $113,172 |
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 |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 4,167 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.
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.
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