411 1st St, Spencer, NC 28159 Property Records

Rowan County property record for 411 1st St, Spencer, NC 28159

Property Summary

Property Type	Multi-Family Dwellings
Details	1,663 sqft · built 1987
Lot Size	0.33 acres (14,500 sqft)
Owner	Trust Name on Record
Last Sale	$76,500 (Jan 2006)
Tax Bill	$1,193 (2026)
Deeds & Mortgages	May 2021 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`035 007`

Property Details

APN / Parcel Number

Primary APN	`035 007`
Alternative APN	`6343507`

Interior

Stories	2 Stories
Building Area	1,663 sqft Total Area
1st Floor Area	832 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1994
Architectural Style	Multi-Family
Exterior Material	Wood
Lot Area	14,500 sqft (0.33 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	411 1ST ST
City	SPENCER
State	NC
Zip	28159-2409
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	R6:TWO FAM
Legal Description	L4-5 BLK 5 OAKLAND PARK
Legal Subdivision	OAKLAND PARK
Legal Block	5
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2010
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	Trust Name on Record
Mailing Address	12809 LAKE ERIE LN, CHARLOTTE, NC 28273-7131
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
May 7, 2021	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK
Sep 9, 2020	Deed of Trust, Mortgage PEOPLES BANK
May 1, 2017	Warranty Deed, Transfer · Conventional with PMI NEDMAR LLC
May 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2006 · Amount on Record
Deed Sale	Jan 4, 2006 · Amount on Record
Deed Book / Page	1054 / 979
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	411 1ST ST, SPENCER, NC 28159-2409
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013740598
Date	May 7, 2021
Book Page	1374/598

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	411 1ST ST, SPENCER, NC 28159-2409
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12809 LAKE ERIE LN, CHARLOTTE, NC 28273-7131

Mortgage

Document Number	0013560080
Date	Sep 9, 2020
Book Page	1356/80

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Amount	Amount Recorded

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 1, 2017
Property Address	411 1ST ST, SPENCER, NC 28159-2409
Document Number	0012890115
Book / Page	001289 / 000115
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	May 22, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5967 KIRKPATRICK RD CHARLOTTE NC 282114200, CHARLOTTE, NC 28211-4200

Mortgage

Document Number	12890116
Date	May 1, 2017
Book Page	001289/000116

Lender

Name	NEDMAR LLC

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	60 Months
Due	Apr 30, 2022

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	May 1, 2017
Property Address	411 1ST ST, SPENCER, NC 28159-2409
Document Number	0012890117
Book / Page	001289 / 000117
Instrument Date	May 1, 2017
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	5967 KIRKPATRICK RD CHARLOTTE NC 282114200, CHARLOTTE, NC 28211-4200

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	$1,193.00	$105,593 (-) Land $24,000 Building $81,593	$105,593 (-) Land $24,000 Building $81,593
2023	$1,193.00	$105,593 Land $24,000 Building $81,593	$105,593 Land $24,000 Building $81,593

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	0.02% 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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