405 S Baldwin Ave, Spencer, NC 28159 Property Records

Rowan County property record for 405 S Baldwin Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,517 sqft · built 1926
Lot Size	0.29 acres (12,610 sqft)
Owner	2 Individual Names on Record
Last Sale	$137,000 (Jan 2021)
Tax Bill	$1,919 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 141`

Property Details

APN / Parcel Number

Primary APN	`033 141`
Alternative APN	`6261311`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,517 sqft Living Area
1st Floor Area	1,517 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Lot Area	12,610 sqft (0.29 acres)
Lot Dimensions	194 ft deep x 65 ft wide
Garage Type	Detached
Garage Area	572 sqft
Porch	Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	405 S BALDWIN AVE
City	SPENCER
State	NC
Zip	28159-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L8 & PTL9 BLK 31 HENDERSON & VANDERFORD
Legal Subdivision	HENDERSON & VANDERFORD PROPERTY
Legal Block	31
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3016
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

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	2 Individual Names on Record
Mailing Address	405 S BALDWIN AVE, SPENCER, NC 28159-1600
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2021	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
May 21, 2019	Warranty Deed, Transfer · Conventional Mortgage BRANCH BANKING AND TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 19, 2021 · Amount on Record
Deed Sale	Jan 19, 2021 · Amount on Record
Prior Sale	May 21, 2019 · Amount on Record
Deed Book / Page	1366 / 160
Record Updated	Oct 29, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 19, 2021
Property Address	405 S BALDWIN AVE, SPENCER, NC 28159-1600
Document Number	0013660160
Book / Page	1366 / 160
Instrument Date	Jan 15, 2021
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$274.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17344 CALDWELL RUSH CIR, 17344, CORNELIUS, NC 28031-9378

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S BALDWIN AVE, SPENCER, NC 28159-1600

Mortgage

Document Number	1366161
Date	Jan 19, 2021
Instrument	1366/161

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 21, 2019
Property Address	405 S BALDWIN AVE, SPENCER, NC 28159-1600
Document Number	0013280014
Book / Page	1328 / 0014
Instrument Date	May 21, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	923 E MAIN ST, 923, ALBEMARLE, NC 28001-5014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 S BALDWIN AVE, SPENCER, NC 28159-1600

Mortgage

Document Number	13280015
Date	May 21, 2019
Instrument	1328/0015

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Tax Assessment & Valuation

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	$1,919.00	$169,903 (-) Land $21,600 Building $148,303	$169,903 (-) Land $21,600 Building $148,303
2023	$1,919.00	$169,903 Land $21,600 Building $148,303	$169,903 Land $21,600 Building $148,303

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

Flood

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

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	Direct burnable vegetation

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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