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407 7th St, Spencer, NC 28159 Property Records

Rowan County property record for 407 7th St, Spencer, NC 28159 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,852 sqft · built 1910
Lot Size0.17 acres (7,250 sqft)
Owner2 Individual Names on File
Last Sale$235,000 (Oct 2023)
Tax Bill$2,542 (2025)
Deeds & MortgagesOct 2023 Sale & Mortgage
Feb 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN031 068

Property Details

APN / Parcel Number

Primary APN031 068
Alternative APN
  • 6076144

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,852 sqft Living Area
1st Floor Area1,852 sqft
Basement Area463 sqft
Unfinished Basement463 sqft

Exterior

Year BuiltBuilt 1910
Effective Year BuiltEffective 2010
Exterior MaterialAluminum/Vinyl
Lot Area7,250 sqft (0.17 acres)
Lot Dimensions145 ft deep x 50 ft wide
PorchPorch
Porch Area281 sqft
Deck Area215 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump

Location & Zoning

Street Address407 7TH ST
CitySPENCER
StateNC
Zip28159-2152
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionL5 BLK 51 HENDERSON & VANDERFORD
Legal SubdivisionHENDERSON AND VANDERFORD PROPERTY
Legal Block51
JurisdictionROWAN NC
Township / Civil DivisionSALISBURY
Census Block Group4
Census Block4023
Census Tract50700

Owner

Source: Rowan County records · APN 031 068

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 Record2 Individual Names on File
Mailing Address407 7TH ST, SPENCER, NC 28159-2152
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 02, 2023Warranty Deed, Transfer · FHA Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP
Feb 18, 2020Warranty Deed, Transfer · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleOct 02, 2023 · Amount on Record
Deed SaleOct 02, 2023 · Amount on Record
Prior SaleFeb 18, 2020 · Amount on Record
Prior Transfer DateAug 02, 2005
Prior Transfer Doc0010420567
Record UpdatedJun 08, 2026

October 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROWAN NC
Recording DateOct 02, 2023
Property Address407 7TH ST, SPENCER, NC 28159-2152
Document Number0014300710
Book / Page1430 / 710
Instrument DateSep 19, 2023
Transaction TypeTransfer
Record UpdatedOct 12, 2023

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$470.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address407 7TH ST, SPENCER, NC 28159-2152

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address407 7TH ST, SPENCER, NC 28159-2152

Mortgage

Document Number0001430711
DateOct 02, 2023
Instrument1430/711
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

February 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionROWAN NC
Recording DateFeb 18, 2020
Property Address407 7TH ST, SPENCER, NC 28159-2152
Document Number0013430634
Book / Page1343 / 0634
Instrument DateFeb 18, 2020
Transaction TypeTransfer
Record UpdatedOct 12, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$270.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1008 CLOCK CT, 1008, SALISBURY, NC 28144

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 7TH ST, SPENCER, NC 28159-2152

Mortgage

Document Number13430635
DateFeb 18, 2020
Instrument1343/0635
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2050

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyRowan County
MunicipalitySpencer Town
Unified School DistrictRowan-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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,542.00 (+13.23%)$224,970 (+13.2%) Land $12,500 Building $212,470
2023$2,245.00$198,740 Land $12,500 Building $186,240$224,970 Land $12,500 Building $212,470

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 7,692 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 DistrictWithin 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.

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