407 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 407 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,248 sqft · built 1900
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$100,000 (Sep 2020)
Tax Bill	$2,392 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`032 195`

Property Details

APN / Parcel Number

Primary APN	`032 195`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,248 sqft Living Area

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Lot Area	14,375 sqft (0.33 acres)

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	407 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L3-4 BLK 16 A. B. ANDREWS JR.
Legal Subdivision	A B ANDREWS JR
Legal Block	16
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4030
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	407 S ROWAN AVE, SPENCER, NC 28159-2234
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2023	Deed of Trust, Mortgage · Line of Credit CAROLINAS TELCO FCU
Sep 4, 2020	Warranty Deed, Transfer · Conventional Mortgage LENDERSELECT MORTGAGE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Deed Book / Page	1355 / 960
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	407 S ROWAN AVE, SPENCER, NC 28159-2234
Transaction Type	Mortgage
Record Updated	May 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014210881
Date	Apr 21, 2023
Book Page	1421/881

Lender

Name	CAROLINAS TELCO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28208

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	264 Months
Due	Apr 20, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 4, 2020
Property Address	407 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0013550960
Book / Page	1355 / 960
Map Reference	MB 9995 PG 3
Instrument Date	Sep 3, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8814 NOTTOWCIY DRIVE, 8814, CHARLOTTE, NC 28213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 S ROWAN AVE, SPENCER, NC 28159-2234

Mortgage

Document Number	0001355961
Date	Sep 4, 2020
Instrument	1355/961

Lender

Name	LENDERSELECT MORTGAGE GROUP
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$2,392.00	$211,725 (-) Land $27,000 Building $184,725	$211,725 (-) Land $27,000 Building $184,725
2023	$2,392.00	$211,725 Land $27,000 Building $184,725	$211,725 Land $27,000 Building $184,725

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	Indirect within ember reach

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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Rowan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures