Rowan County property record for 503 Charles St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 1,536 sqft Living Area |
| Lot Size | 17,860 sqft (0.41 acres) |
| Garage | Carport |
| Occupancy | Owner Occupied |
| Last Sale | $255,000 (2024) |
| Tax Bill | $2,412.00 (2025) |
| Primary APN | 036A102 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Building Area | 1,536 sqft Living Area |
| 1st Floor | 1,536 sqft 1st Floor |
| Basement Area | 1,536 sqft Basement |
| Unfinished Basement | 1,536 sqft Unfinished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Brick Exterior |
| Lot Area | 17,860 sqft (0.41 acres) |
| Garage Type | Carport Garage |
| Carport | Carport |
| Porch | 1 Porch |
| Porch Area | 96 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Radiant Heating |
| Street Address | 503 CHARLES ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1703 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | L2 BC |
| Legal Subdivision | FORESTDALE |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 1 |
| Census Block | 1026 |
| Census Tract | 50700 |
Source: Rowan County records · APN 036A102
Assessment roll updated August 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 503 CHARLES ST, SPENCER, NC 28159-1703 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 19, 2024 · Amount on Record |
| Deed Sale | Apr 19, 2024 · Amount on Record |
| Prior Sale | Sep 30, 2015 · Amount on Record |
| Prior Transfer Date | May 13, 2014 |
| Prior Transfer Doc | 0012370612 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Apr 19, 2024 |
| Property Address | 503 CHARLES ST, SPENCER, NC 28159-1703 |
| Document Number | 0014400788 |
| Book / Page | 1440 / 788 |
| Instrument Date | Apr 18, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $510.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 503 CHARLES ST, SPENCER, NC 28159-1703 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 503 CHARLES ST, SPENCER, NC 28159-1703 |
| Document Number | 0001440789 |
|---|---|
| Date | Apr 19, 2024 |
| Instrument | 1440/789 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2054 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,412.00 | $213,497 (-) Land $26,500 Building $186,997 | |
| 2023 | $2,412.00 | $213,497 Land $26,500 Building $186,997 | $213,497 Land $26,500 Building $186,997 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 5,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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