415 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 415 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,247 sqft · built 1938
Lot Size	0.17 acres (7,250 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2023)
Tax Bill	$1,848 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Mar 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`032 031`

Property Details

APN / Parcel Number

Primary APN	`032 031`
Alternative APN	`6345514`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,247 sqft Living Area
1st Floor Area	1,247 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2010
Exterior Material	Brick
Lot Area	7,250 sqft (0.17 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	728 sqft
Porch	Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	415 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	L 8 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

415 S Rowan Ave is owned and occupied by an individual who bought it in April 2023.

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

Owner of Record	Individual Name on File
Mailing Address	415 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
Apr 27, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 19, 2021	Warranty Deed, Transfer
Nov 9, 2017	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG
May 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY
May 25, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2023 · Amount on File
Deed Sale	Apr 27, 2023 · Amount on File
Prior Sale	Mar 19, 2021 · Amount on File
Deed Book / Page	1422 / 216
Prior Transfer Date	May 16, 2017
Prior Transfer Doc	0012900400
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 27, 2023
Property Address	415 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0014220216
Book / Page	1422 / 216
Map Reference	MB 9995 PG 3
Instrument Date	Apr 27, 2023
Transaction Type	Transfer
Record Updated	May 11, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2221 AVON ST, LOS ANGELES, CA 90026-2001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 S ROWAN AVE, SPENCER, NC 28159-2234

Mortgage

Document Number	0001422217
Date	Apr 27, 2023
Instrument	1422/217

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 19, 2021
Property Address	415 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0013700763
Book / Page	1370 / 763
Map Reference	MB 9995 PG 3
Instrument Date	Mar 19, 2021
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Tax	$200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 S ROWAN AVE, 415, SPENCER, NC 28159-2234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6015 TWICKINGHAM CT, CHARLOTTE, NC 28212-8398

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 9, 2017
Property Address	415 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0012990630
Book / Page	001299 / 000630
Instrument Date	Nov 3, 2017
Transaction Type	Transfer
Record Updated	Nov 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 S ROWAN AVE SPENCER NC 281592234, SPENCER, NC 28159-2234

Mortgage

Document Number	12990631
Date	Nov 9, 2017
Book Page	001299/000631

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 8, 2047

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	May 25, 2017
Property Address	415 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0012900401
Book / Page	001290 / 000401
Instrument Date	May 16, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2017
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	PO BOX 798 MILLERS CREEK NC 286510798, MILLERS CREEK, NC 28651-0798

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	May 25, 2017
Property Address	415 S ROWAN AVE, SPENCER, NC 28159-2234
Document Number	0012900400
Book / Page	001290 / 000400
Instrument Date	May 16, 2017
Transaction Type	Transfer
Record Updated	Jun 13, 2017
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	PO BOX 798 MILLERS CREEK NC 286510798, MILLERS CREEK, NC 28651-0798

Tax Assessment & Valuation

The 2026 property tax bill for 415 S Rowan Ave was $1,848.

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	$1,848.00	$163,593 (-) Land $18,000 Building $145,593	$163,593 Land $18,000 Building $145,593
2025	$1,848.00	$163,593 Land $18,000 Building $145,593
2023	$1,468.00	$129,991 Land $18,000 Building $111,991	$163,593 Land $18,000 Building $145,593

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

Flood

FEMA maps place 415 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 415 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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