412 S Rowan Ave, Spencer, NC 28159 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,660 sqft · built 1992
Lot Size	0.17 acres (7,250 sqft)
Owner	Individual Name on Record
Last Sale	$95,500 (May 2018)
Tax Bill	$1,895 (2026)
Deeds & Mortgages	Oct 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 370`

Property Details

APN / Parcel Number

Primary APN	`033 370`
Alternative APN	`6347197`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,660 sqft Living Area
1st Floor Area	1,660 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2003
Exterior Material	Wood Siding
Lot Area	7,250 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Garage Type	Detached
Porch	Porch
Porch Area	257 sqft
Deck Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	412 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2235
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L14 BLK 23 A.B. ANDREWS JR.
Legal Subdivision	A B ANDREWS JR
Legal Block	23
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4029
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	Individual Name on Record
Mailing Address	412 S ROWAN AVE, SPENCER, NC 28159-2235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
May 16, 2018	Warranty Deed, Transfer · Conventional with PMI WFB NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Prior Sale	May 17, 2006 · Amount on Record
Deed Book / Page	1309 / 260
Prior Transfer Date	Jul 22, 2004
Prior Transfer Doc	1016000585
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	412 S ROWAN AVE, SPENCER, NC 28159-2235
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013870200
Date	Oct 26, 2021
Book Page	1387/200

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 16, 2018
Property Address	412 S ROWAN AVE, SPENCER, NC 28159-2235
Document Number	0013090260
Book / Page	001309 / 000260
Instrument Date	May 15, 2018
Transaction Type	Transfer
Record Updated	May 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$191.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 S ROWAN AVE SPENCER NC 281592235, SPENCER, NC 28159-2235

Mortgage

Document Number	13090261
Date	May 16, 2018
Book Page	001309/000261

Lender

Name	WFB NA
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2048

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	$1,895.00	$167,714 (-) Land $19,000 Building $148,714	$167,714 (-) Land $19,000 Building $148,714
2023	$1,895.00	$167,714 Land $19,000 Building $148,714	$167,714 Land $19,000 Building $148,714

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
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	0.01% 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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