406 4th St, Spencer, NC 28159 Property Records

Rowan County property record for 406 4th St, Spencer, NC 28159 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2000
Square Footage	1,264 sqft Living Area
Lot Size	5,712 sqft (0.131 acres)
Occupancy	Owner Occupied
Last Sale	$226,000 (2025)
Tax Bill	$1,266.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`033 311`
Alternative APN	`54885000`

Interior

Full Baths	2 Baths
Building Area	1,264 sqft Living Area
1st Floor	980 sqft 1st Floor
Stories	2 Stories

Exterior

Year Built	Built 1955
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl Exterior
Foundation Type	Footing Foundation
Lot Area	5,712 sqft (0.131 acres)
Depth X Width	102 ft x 56 ft Depth x Width
Deck Area	240 sqft Deck

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	54885000
Old Parcel Number	033 311
Street Address	406 4TH ST
City	SPENCER
State	NC
Zip	28159-2220
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	PT L 5-6 BLK 27 A.B. ANDREWS JR.
Legal Subdivision	A B ANDREWS JR
Legal Block	27
Jurisdiction	ROWAN NC
Minor Civil Division	SALISBURY
Census Blockgroup	2
Census Block	2011
Census Tract	50700

Owner

Source: Rowan County records · APN 033 311

Assessment roll updated January 1, 2025 · Last verified December 2025

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	406 4TH ST, SPENCER, NC 28159-2220
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 25, 2025 · Amount on Record
Deed Sale	Nov 25, 2025 · Amount on Record
Prior Sale	Dec 12, 2024 · Amount on Record
Deed Doc Number	0001473200
Deed Book / Page	1473 / 200
Record Refreshed	Jun 08, 2026

November 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 25, 2025
Property Address	406 4TH ST, SPENCER, NC 28159-2220
Document Number	0014730200
Book / Page	1473 / 200
Instrument Date	Nov 25, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 10, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$452.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 4TH ST, SPENCER, NC 28159-2220

Mortgage

Document Number	0001473201
Date	Nov 25, 2025
Instrument	1473/201

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2055

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated January 1, 2025 · Last verified December 2025

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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,266.00 (-12.63%)	$112,104 (-12.58%) Land $17,100 Building $95,004
2023	$1,449.00	$128,241 Land $17,100 Building $111,141	$112,104 Land $17,100 Building $95,004

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	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.