411 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 411 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,731 sqft · built 1996
Lot Size	0.17 acres (7,250 sqft)
Owner	Individual Name on File
Last Sale	$92,500 (Oct 2015)
Tax Bill	$2,005 (2026)
Deeds & Mortgages	Nov 2019 Transfer Nov 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`032 033`

Property Details

APN / Parcel Number

Primary APN	`032 033`
Alternative APN	`6338887`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,731 sqft Living Area
1st Floor Area	1,731 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	7,250 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 50 ft wide

Exterior Amenities

Porch	Porch
Porch Area	204 sqft
Canopy	400 sqft
Storage Building	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	411 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2234
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L6 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

411 S Rowan Ave is owned and occupied by an individual who acquired it in November 2019.

Source: Rowan County records, as of August 25, 2026

Owner of Record	Individual Name on File
Mailing Address	411 S ROWAN AVE, SPENCER, NC 28159-2234
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
Nov 14, 2019	Warranty Deed, Construction Loan · Line of Credit PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2015 · Amount on File
Deed Sale	Oct 19, 2015 · Amount on File
Prior Sale	Jun 20, 2014 · Amount on File
Deed Book / Page	1260 / 215
Last Transfer Date	Nov 14, 2019
Transfer Doc	0013380522
Record Updated	Oct 29, 2026

November 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 22, 2019
Property Address	411 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0013380522
Book / Page	001338 / 000522
Instrument Date	Nov 14, 2019
Transaction Type	Transfer
Record Updated	Dec 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	411 S ROWAN AVE SPENCER NC 281592234, SPENCER, NC 28159-2234

November 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 14, 2019
Property Address	411 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0013380116
Book / Page	001338 / 000116
Instrument Date	Nov 14, 2019
Transaction Type	Construction Loan
Record Updated	Nov 26, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$80.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	160 SCOTTSDALE DR SALISBURY NC 281462380, SALISBURY, NC 28146-2380

Mortgage

Document Number	13380117
Date	Nov 14, 2019
Book Page	001338/000117

Lender

Name	PEOPLES BK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 411 S Rowan Ave was $2,005.

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	$2,005.00	$177,440 (-) Land $18,000 Building $159,440	$177,440 Land $18,000 Building $159,440
2025	$2,005.00	$177,440 Land $18,000 Building $159,440
2023	$2,005.00	$177,440 Land $18,000 Building $159,440	$177,440 Land $18,000 Building $159,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 411 S Rowan Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 411 S Rowan Ave is low, with a 0.01% annual chance of 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

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