407 N Whitehead Ave, Spencer, NC 28159 Property Records

Rowan County property record for 407 N Whitehead Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,909 sqft · built 1956
Lot Size	0.4 acres (17,500 sqft)
Owner	Individual Name on Record
Last Sale	$86,000 (Jun 2013)
Tax Bill	$2,531 (2026)
Deeds & Mortgages	Nov 2017 Mortgage Oct 2019 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036 00301`

Property Details

APN / Parcel Number

Primary APN	`036 00301`
Alternative APN	`6088947`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,909 sqft Living Area
1st Floor Area	1,591 sqft
Basement Area	382 sqft
Unfinished Basement	382 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	17,500 sqft (0.4 acres)
Lot Dimensions	175 ft deep x 100 ft wide
Garage Area	399 sqft

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Patio Area	312 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	407 N WHITEHEAD AVE
City	SPENCER
State	NC
Zip	28159-2521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1037
Census Tract	50700

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	Individual Name on Record
Mailing Address	407 N WHITEHEAD AVE, SPENCER, NC 28159-2521
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 14, 2017	Deed of Trust, Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Oct 22, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2013 · Amount on Record
Deed Sale	Jun 11, 2013 · Amount on Record
Deed Book / Page	1218 / 828
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	407 N WHITEHEAD AVE, SPENCER, NC 28159-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0012990819
Date	Nov 14, 2017
Book Page	1299/0819

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount Recorded

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	407 N WHITEHEAD AVE, SPENCER, NC 28159-2521
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013360682
Date	Oct 22, 2019
Book Page	1336/0682

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

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	$2,531.00	$224,061 (-) Land $24,300 Building $199,761	$224,061 (-) Land $24,300 Building $199,761
2023	$2,531.00	$224,061 Land $24,300 Building $199,761	$224,061 Land $24,300 Building $199,761

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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	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.

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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