501 1st St, Spencer, NC 28159 Property Records

Rowan County property record for 501 1st St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,420 sqft · built 1967
Lot Size	0.77 acres (33,350 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Feb 2018)
Tax Bill	$3,156 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`035 002`

Property Details

APN / Parcel Number

Primary APN	`035 002`
Alternative APN	`6346377`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,420 sqft Living Area
1st Floor Area	2,420 sqft
Basement Area	1,210 sqft
Unfinished Basement	1,210 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 2003
Exterior Material	Brick
Lot Area	33,350 sqft (0.77 acres)
Lot Dimensions	145 ft deep x 230 ft wide
Porch	Porch
Porch Area	252 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	501 1ST ST
City	SPENCER
State	NC
Zip	28159-2411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R6:TWO FAM
Legal Description	L1-4 BLK 6 OAKLAND PARK
Legal Subdivision	OAKLAND PARK
Legal Block	6
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2003
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

501 1st St is owned and occupied by two individuals who bought it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	501 1ST ST, SPENCER, NC 28159-2411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Feb 12, 2018	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2018 · Amount on File
Deed Sale	Feb 12, 2018 · Amount on File
Deed Book / Page	1304 / 106
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	501 1ST ST, SPENCER, NC 28159-2411
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013710681
Date	Apr 1, 2021
Book Page	1371/681

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 12, 2018
Property Address	501 1ST ST, SPENCER, NC 28159-2411
Document Number	0013040106
Book / Page	001304 / 000106
Instrument Date	Feb 12, 2018
Transaction Type	Transfer
Record Updated	Feb 20, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	501 1ST ST SPENCER NC 281592411, SPENCER, NC 28159-2411

Mortgage

Document Number	13040107
Date	Feb 12, 2018
Book Page	001304/000107

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 11, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 501 1st St was $3,156.

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	$3,156.00	$279,380 Land $38,400 Building $240,980	$279,380 Land $38,400 Building $240,980
2023	$3,156.00	$279,380 Land $38,400 Building $240,980	$279,380 Land $38,400 Building $240,980

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

Flood

FEMA maps place 501 1st St 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

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

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 501 1st St is low, with a 0.02% 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	0.02% 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.

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 1st St

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