409 5th St, Spencer, NC 28159 Property Records

Rowan County property record for 409 5th St, Spencer, NC 28159 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,799 sqft · built 1927
Lot Size	0.22 acres (9,500 sqft)
Owner	Individual Name on File
Last Sale	$254,000 (Aug 2023)
Tax Bill	$2,605 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033 347`

Property Details

APN / Parcel Number

Primary APN	`033 347`
Alternative APN	`6138864`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,799 sqft Living Area
1st Floor Area	1,729 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2010
Exterior Material	Brick
Lot Area	9,500 sqft (0.22 acres)
Lot Dimensions	100 ft deep x 95 ft wide
Porch	Porch
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	409 5TH ST
City	SPENCER
State	NC
Zip	28159-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTL1-2 BK 38 HENDERSON & VANDERFORD PROPERTY
Legal Subdivision	HENDERSON VANDERFORD PROPERTY
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4021
Census Tract	50700

Owner

Source: Rowan County records · APN 033 347

Assessment roll updated August 8, 2025 · Last verified June 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 File
Mailing Address	409 5TH ST, SPENCER, NC 28159-2131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 05, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Mar 19, 2020	Warranty Deed, Transfer · Conventional Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 11, 2023 · Amount on Record
Deed Sale	Aug 11, 2023 · Amount on Record
Prior Sale	Mar 19, 2020 · Amount on Record
Deed Book / Page	1427 / 942
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Jun 05, 2026
Property Address	409 5TH ST, SPENCER, NC 28159-2131
Document Number	1484000525
Book / Page	1484 / 525
Instrument Date	May 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VISIONET SYSTEMS INC, VISIONET SYSTEMS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 5TH ST, SPENCER, NC 28159-2131

Mortgage

Document Number	1484000525,
Date	Jun 05, 2026
Book Page	1484/525

Lender

Name	ROYAL UNITED MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jun 01, 2046

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 11, 2023
Property Address	409 5TH ST, SPENCER, NC 28159-2131
Document Number	0014270942
Book / Page	1427 / 942
Map Reference	MB 42A
Instrument Date	Aug 11, 2023
Transaction Type	Transfer
Record Updated	Aug 24, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$508.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 S ELLIS ST, SALISBURY, NC 28144-4820

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 5TH ST, SPENCER, NC 28159-2131

Mortgage

Document Number	0001427943
Date	Aug 11, 2023
Instrument	1427/943

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.07%
Type Change Date	Sep 01, 2028
Change Frequency	5 Years
Min Rate At Change	4.07%
Max Rate At Change	8.07%
Index	5-Year TN
Margin	2
Max Rate	12%

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 19, 2020
Property Address	409 5TH ST, SPENCER, NC 28159-2131
Document Number	0013450396
Book / Page	1345 / 396
Map Reference	MB 42A
Instrument Date	Mar 19, 2020
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	224 WHIPPOORWILL LN, 224, PELHAM, NC 27311-8252

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 5TH ST, SPENCER, NC 28159-2131

Mortgage

Document Number	13450397
Date	Mar 19, 2020
Instrument	1345/0397

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

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

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	$2,605.00 (+14.51%)	$230,560 (+14.51%) Land $24,700 Building $205,860
2023	$2,275.00 (+97.48%)	$201,350 (+129.38%) Land $24,700 Building $176,650	$230,560 (+162.65%) Land $24,700 Building $205,860
2022	$1,152.00	$87,781 Land $20,800 Building $66,981	$87,781 Land $20,800 Building $66,981

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 371 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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