Rowan County property record for 413 S Hudson Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,476 sqft · built 1913 |
| Lot Size | 0.37 acres (16,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $108,000 (Jul 2024) |
| Tax Bill | $1,817 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Dec 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 185 |
| Primary APN | 033 185 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,476 sqft Living Area |
| 1st Floor Area | 1,476 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 16,200 sqft (0.37 acres) |
| Lot Dimensions | 200 ft deep x 81 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 446 sqft |
| Canopy | 320 sqft |
| Storage Building | 24 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 413 S HUDSON AVE |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2225 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6:TWO FAM |
| Legal Description | L9 &PT L8 BK 13 DR. JOHN WHITEHEAD'S ADD. TO SPENCER |
| Legal Subdivision | WHITEHEAD ADDITION |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3024 |
| 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.
413 S Hudson Ave is owned and occupied by two individuals who bought it in July 2024.
Source: Rowan County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 413 S HUDSON AVE, SPENCER, NC 28159-2225 |
| 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.
| Date | Document |
|---|---|
| Jun 3, 2021 | Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA COMMERCIAL |
| Dec 29, 2020 | Warranty Deed, Transfer · Commercial Mortgage FINANCE OF AMERICA COMMERCIAL |
| Nov 2, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| May 3, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 26, 2024 · Amount on File |
| Deed Sale | Jul 26, 2024 · Amount on File |
| Prior Sale | Dec 29, 2020 · Amount on File |
| Deed Book / Page | 1446 / 63 |
| Prior Transfer Date | May 3, 2019 |
| Prior Transfer Doc | 0013270055 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jun 3, 2021 |
| Property Address | 413 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013760547 |
| Book / Page | 1376 / 547 |
| Instrument Date | Jun 3, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 393 NICHOL MILL LN STE 260, 260, FRANKLIN, TN 37067-0004 |
| Investor | Possibly a Property Investor |
| Document Number | 1376548 |
|---|---|
| Date | Jun 3, 2021 |
| Instrument | 1376/548 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 8, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 29, 2020 |
| Property Address | 413 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013630929 |
| Book / Page | 1363 / 929 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $230.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 393 NICHOL MILL LN # LN260, 393, FRANKLIN, TN 37067-8324 |
| Name | Verified Name |
|---|---|
| Address | 393 NICHOL MILL LN STE 260, 260, FRANKLIN, TN 37067-0004 |
| Investor | Possibly a Property Investor |
| Document Number | 1363930 |
|---|---|
| Date | Dec 29, 2020 |
| Instrument | 1363/930 |
| Name | FINANCE OF AMERICA COMMERCIAL |
|---|---|
| Type | Mortgage Company |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 19 Months |
| Due | Jul 1, 2022 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 2, 2020 |
| Property Address | 413 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013600109 |
| Book / Page | 001360 / 000109 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $83.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 393 NICHOL MILL LN #260 PRATTVILLE AL 36067, 260, PRATTVILLE, AL 36067 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 3, 2019 |
| Property Address | 413 S HUDSON AVE, SPENCER, NC 28159-2225 |
| Document Number | 0013270055 |
| Book / Page | 001327 / 000055 |
| Instrument Date | May 3, 2019 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 410 S SPENCER AVE SPENCER NC 281592241, SPENCER, NC 28159-2241 |
The 2026 property tax bill for 413 S Hudson Ave was $1,817.
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 | $1,817.00 | $160,879 (-) Land $26,600 Building $134,279 | $160,879 Land $26,600 Building $134,279 |
| 2025 | $1,817.00 | $160,879 Land $26,600 Building $134,279 | |
| 2023 | $1,817.00 | $160,879 Land $26,600 Building $134,279 | $160,879 Land $26,600 Building $134,279 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 413 S Hudson Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 413 S Hudson 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 |
| 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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