506 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 506 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,044 sqft · built 1963
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Sep 2017)
Tax Bill	$3,324 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`036A098`

Property Details

APN / Parcel Number

Primary APN	`036A098`
Alternative APN	`6344790`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,044 sqft Living Area
1st Floor Area	2,044 sqft
Basement Area	1,901 sqft
Unfinished Basement	1,901 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2002
Exterior Material	Brick
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	506 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L9 BA
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1018
Census Tract	50700

Owner

Source: Rowan County records, as of August 25, 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 Record
Mailing Address	506 CHARLES ST, SPENCER, NC 28159-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2017 · Amount on Record
Deed Sale	Sep 1, 2017 · Amount on Record
Prior Sale	Nov 18, 2002
Deed Book / Page	1295 / 872
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 1, 2017
Property Address	506 CHARLES ST, SPENCER, NC 28159-1704
Document Number	0012950872
Book / Page	1295 / 0872
Instrument Date	Aug 15, 2017
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2120 ASHLAND CT, 2120, SALISBURY, NC 28147-5666

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 CHARLES ST, SPENCER, NC 28159-1704

Mortgage

Document Number	12950873
Date	Sep 1, 2017
Instrument	1295/0873

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

Tax Assessment & Valuation

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	$3,324.00	$294,187 (-) Land $26,500 Building $267,687	$294,187 (-) Land $26,500 Building $267,687
2023	$3,324.00	$294,187 Land $26,500 Building $267,687	$294,187 Land $26,500 Building $267,687

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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

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 78 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

Cell Coverage

5G (outdoors only) and 4G LTE

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