Rowan County property record for 410 7th St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,803 sqft · built 1917 |
| Lot Size | 0.33 acres (14,500 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $290,000 (Mar 2025) |
| Tax Bill | $2,909 (2026) |
| Deeds & Mortgages | Feb 2026 Mortgage Mar 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 001 |
| Primary APN | 032 001 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 2,247 sqft Living Area |
| 1st Floor Area | 1,431 sqft |
| Basement Area | 215 sqft |
| Unfinished Basement | 215 sqft |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 14,500 sqft (0.33 acres) |
| Lot Dimensions | 145 ft deep x 100 ft wide |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 364 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 410 7TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2153 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8:SINGLE |
| Legal Description | L5-6 BLK 39 ELIZABETH B. HENDERSON & MARY E. VANDERFORD |
| Legal Subdivision | HENDERSON VANDERFORD DIVISION OF SPENCER |
| Legal Block | 39 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 4 |
| Census Block | 4022 |
| Census Tract | 50700 |
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.
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 | 410 7TH ST, SPENCER, NC 28159-2153 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 9, 2026 | Deed of Trust, Mortgage · VA Mortgage PLANET HOME LENDING LLC |
| Mar 12, 2019 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 17, 2025 · Amount on Record |
| Deed Sale | Mar 17, 2025 · Amount on Record |
| Prior Sale | Mar 12, 2019 · Amount on Record |
| Deed Book / Page | 1458 / 527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 410 7TH ST, SPENCER, NC 28159-2153 |
| Transaction Type | Mortgage |
| Record Updated | Feb 18, 2026 |
| Title Company | SOURCEPOINT TITLE SVCS, SOURCEPOINT INC |
| Name | Verified Name |
|---|---|
| Address | 410 7TH ST, SPENCER, NC 28159-2153 |
| Document Number | 0014770160 |
|---|---|
| Date | Feb 9, 2026 |
| Book Page | 1477/160 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 12, 2019 |
| Property Address | 410 7TH ST, SPENCER, NC 28159-2153 |
| Document Number | 0013240326 |
| Book / Page | 1324 / 0326 |
| Instrument Date | Mar 12, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2370 OLIVET CHURCH RD, 2370, WINSTON SALEM, NC 27106-9753 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 410 7TH ST, SPENCER, NC 28159-2153 |
| Document Number | 13240327 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 1324/0327 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2049 |
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,909.00 (+36.7%) | $257,450 (+36.7%) Land $18,000 Building $239,450 | $257,450 (+36.7%) Land $18,000 Building $239,450 |
| 2023 | $2,128.00 | $188,326 Land $18,000 Building $170,326 | $188,326 Land $18,000 Building $170,326 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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