412 S Baldwin Ave, Spencer, NC 28159 Property Records

Rowan County property record for 412 S Baldwin Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,352 sqft · built 1927
Lot Size	0.17 acres (7,500 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,715 (2026)
Deeds & Mortgages	Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 106`

Property Details

APN / Parcel Number

Primary APN	`033 106`
Alternative APN	`424820000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	7,500 sqft (0.17 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Porch	Porch
Porch Area	136 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	412 S BALDWIN AVE
City	SPENCER
State	NC
Zip	28159-1613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	PTL18-20 BLK 32 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON AND VANDERFORD PROPERTY
Legal Block	32
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3021
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	2 Individual Names on Record
Mailing Address	412 S BALDWIN AVE, SPENCER, NC 28159-1613
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	412 S BALDWIN AVE, SPENCER, NC 28159-1613
Transaction Type	Mortgage
Record Updated	Jul 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013790557
Date	Jul 15, 2021
Book Page	1379/557

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	$1,715.00	$151,830 (-) Land $18,000 Building $133,830	$151,830 (-) Land $18,000 Building $133,830
2023	$1,715.00	$151,830 Land $18,000 Building $133,830	$151,830 Land $18,000 Building $133,830

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 · OpenFEMA NFIP redacted claims and policies, as of September 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

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.

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	Direct burnable vegetation

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 147 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

Cell Coverage

5G (outdoors only) and 4G LTE

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