Rowan County property record for 409 S Baldwin Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,334 sqft · built 1941 |
| Lot Size | 0.222 acres (9,700 sqft) |
| Owner | Individual Name on File |
| Last Sale | $96,000 (May 2017) |
| Tax Bill | $1,793 (2023) |
| Deeds & Mortgages | Mar 2022 Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 140 |
| Primary APN | 033 140 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,334 sqft Living Area |
| Gross Area | 1,727 sqft |
| 1st Floor Area | 1,191 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1941 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Brick |
| Foundation Type | Footing |
| Lot Area | 9,700 sqft (0.222 acres) |
| Lot Dimensions | 194 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 288 sqft |
| Porch | Porch |
| Porch Area | 123 sqft |
| Heating System | Radiant |
|---|
| Account Number | 6343684 |
|---|---|
| Old Parcel Number | 033 140 |
| Street Address | 409 S BALDWIN AVE |
| City | SPENCER |
| State | NC |
| Zip | 28159-1600 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8:SINGLE FAM-8 |
| Legal Description | PT L9-10 BLK 31 HENDERSON & VANDERFORD |
| Legal Subdivision | ELIZABETH B HENDERSON & MARY E |
| Legal Block | 31 |
| Legal Lot Number | 9 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 50700 |
Source: Rowan County records · APN 033 140
Assessment roll updated January 1, 2023 · Last verified October 2023
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 S BALDWIN AVE, SPENCER, NC 28159-1600 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 14, 2022 | Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU |
| May 19, 2017 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 19, 2017 · Amount on Record |
| Deed Sale | May 19, 2017 · Amount on Record |
| Prior Sale | Sep 09, 2009 · Amount on Record |
| Deed Document Number | 0001290124 |
| Deed Book / Page | 1290 / 124 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 409 S BALDWIN AVE, SPENCER, NC 28159-1600 |
| Transaction Type | Mortgage |
| Record Updated | Mar 23, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0013970379 |
|---|---|
| Date | Mar 14, 2022 |
| Book Page | 1397/379 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 19, 2017 |
| Property Address | 409 S BALDWIN AVE, SPENCER, NC 28159-1600 |
| Document Number | 0012900124 |
| Book / Page | 1290 / 0124 |
| Map Reference | MAP 42A |
| Instrument Date | May 17, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $192.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1418 E COLONIAL DR, 1418, SALISBURY, NC 28144-2214 |
| Name | Verified Name |
|---|---|
| Address | 409 S BALDWIN AVE, SPENCER, NC 28159-1600 |
| Document Number | 12900125 |
|---|---|
| Date | May 19, 2017 |
| Instrument | 1290/0125 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.5% |
| Change Frequency | 5 Years |
| Index | 5-Year CMT |
| Max Rate | 6% |
Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,793.00 | $158,680 Land $18,000 Building $140,680 | $158,680 Land $18,000 Building $140,680 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), as of May 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371590507003, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2006) |
| Most Recent Claim | Nov 2006 |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: NPS National Register of Historic Places as of August 1, 2026 · 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 147 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0180010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SALISBURY-ROWAN serves 46,156 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2026 |
| Lead | 13 ppb (2026–2028) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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