504 1st St, Spencer, NC 28159 Property Records

Rowan County property record for 504 1st St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,723 sqft · built 1964
Lot Size	0.55 acres (23,750 sqft)
Owner	Individual Name on File
Last Sale	$279,000 (Oct 2025)
Tax Bill	$972 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`035 028`

Property Details

APN / Parcel Number

Primary APN	`035 028`
Alternative APN	`6060715`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,723 sqft Living Area
1st Floor Area	1,723 sqft
Basement Area	1,430 sqft
Unfinished Basement	1,430 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1990
Exterior Material	Brick
Lot Area	23,750 sqft (0.55 acres)
Lot Dimensions	125 ft deep x 190 ft wide
Garage Area	308 sqft
Porch	Porch
Porch Area	158 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	504 1ST ST
City	SPENCER
State	NC
Zip	28159-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L1-3 & PT4 J. E. YOUNCE
Legal Subdivision	WILLIAM A OWENS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2002
Census Tract	50700

Owner

Source: Rowan County records · APN 035 028

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	Individual Name on File
Mailing Address	504 1ST ST, SPENCER, NC 28159-2412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Prior Sale	Nov 12, 2024 · Amount on Record
Deed Book / Page	1471 / 761
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 30, 2025
Property Address	504 1ST ST, SPENCER, NC 28159-2412
Document Number	0014710761
Book / Page	1471 / 761
Instrument Date	Oct 29, 2025
Transaction Type	Transfer
Record Updated	Apr 03, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$558.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6653 REEDY CREEK RD, CHARLOTTE, NC 28215-6094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 1ST ST, SPENCER, NC 28159-2412

Mortgage

Document Number	0001471762
Date	Oct 30, 2025
Instrument	1471/762

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.77%
Type Change Date	Nov 01, 2030
Change Frequency	5 Years
Min Rate At Change	3.77%
Max Rate At Change	7.77%
Index	5-Year CMT
Max Rate	11.7%

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$972.00 (-37.77%)	$86,025 (-37.78%) Land $23,625 Building $62,400
2023	$1,562.00	$138,261 Land $21,263 Building $116,998	$86,025 Land $23,625 Building $62,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans

Wildfire

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

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: AT&T.

Based on FCC filings for 233 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SALISBURY-ROWAN serves 46,156 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.