Rowan County property record for 405 S Hudson Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,260 sqft · built 1914 |
| Lot Size | 0.38 acres (16,400 sqft) |
| Owner | Individual Name on File |
| Last Sale | $176,000 (Mar 2022) |
| Tax Bill | $1,904 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Nov 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 186 |
| Primary APN | 033 186 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,260 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Lot Area | 16,400 sqft (0.38 acres) |
| Lot Dimensions | 200 ft deep x 82 ft wide |
| Porch | Porch |
| Porch Area | 162 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 405 S HUDSON AVE |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6:TWO FAM |
| Legal Description | L7 & PT8 B13 DR, JOHN WHITEHEAD'S ADD. TO SPENCER |
| Legal Subdivision | WHITEHEAD PROPERTY |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 50700 |
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.
405 S Hudson Ave is owned and occupied by an individual who bought it in March 2022.
Source: Rowan County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 S HUDSON AVE, SPENCER, NC 28159-2225 |
| 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 |
|---|---|
| Mar 4, 2022 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 12, 2021 | Warranty Deed, Transfer |
| Nov 1, 2021 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2022 · Amount on File |
| Deed Sale | Mar 4, 2022 · Amount on File |
| Prior Sale | Nov 12, 2021 · Amount on File |
| Deed Book / Page | 1396 / 684 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 4, 2022 |
| Property Address | 405 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013960684 |
| Book / Page | 1396 / 684 |
| Instrument Date | Feb 24, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $352.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 393 NICHOL MILL LN # LN255, 393, FRANKLIN, TN 37067-8324 |
| Name | Verified Name |
|---|---|
| Address | 405 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0001396685 |
|---|---|
| Date | Mar 4, 2022 |
| Instrument | 1396/685 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 12, 2021 |
| Property Address | 405 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013880671 |
| Book / Page | 1388 / 671 |
| Instrument Date | Nov 11, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $182.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1610 DALE EARNHARDT BLVD, 1610, KANNAPOLIS, NC 28083-3210 |
| Name | Verified Name |
|---|---|
| Address | 393 NICHOL MILL LN # 255, 255, FRANKLIN, TN 37067-8324 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 1, 2021 |
| Property Address | 405 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013870695 |
| Book / Page | 1387 / 695 |
| Instrument Date | Oct 31, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3485 BRINGLE FERRY RD, 3485, SALISBURY, NC 28146-9249 |
| Name | Verified Name |
|---|---|
| Address | 1610 DALE EARNHARDT BLVD, KANNAPOLIS, NC 28083-3210 |
The 2026 property tax bill for 405 S Hudson Ave was $1,904.
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 | $1,904.00 | $168,540 Land $26,600 Building $141,940 | $168,540 Land $26,600 Building $141,940 |
| 2023 | $1,904.00 | $168,540 Land $26,600 Building $141,940 | $168,540 Land $26,600 Building $141,940 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 405 S Hudson 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 405 S Hudson Ave is low, with a 0.01% 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 | 0.01% 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 371 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 |
| Starlink Satellite | 280 / 30 |
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