507 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 507 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,440 sqft · built 1994
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$131,000 (Aug 2008)
Tax Bill	$2,798 (2026)
Deeds & Mortgages	Feb 2022 Reverse Mortgage Jan 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`036A118`

Property Details

APN / Parcel Number

Primary APN	`036A118`
Alternative APN	`6295564`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,440 sqft Living Area
1st Floor Area	1,440 sqft

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Lot Area	17,424 sqft (0.4 acres)
Garage Area	660 sqft

Exterior Amenities

Porch	Porch
Porch Area	114 sqft
Deck Area	144 sqft
Gazebo	144 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	507 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1703
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L4 BC
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1026
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	507 CHARLES ST, SPENCER, NC 28159-1703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Reverse Mortgage REALFI HOME FUNDING CORP
Jan 24, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS
Jan 24, 2019	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2008 · Amount on Record
Deed Sale	Aug 18, 2008 · Amount on Record
Deed Book / Page	1127 / 951
Last Transfer Date	Jan 9, 2009
Transfer Doc	0011350902
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	507 CHARLES ST, SPENCER, NC 28159-1703
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	REAL SOURCE TITLE, RESOURCE TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 CHARLES ST, SPENCER, NC 28159-1703

Mortgage

Document Number	0013950213
Date	Feb 14, 2022
Book Page	1395/213

Lender

Name	REALFI HOME FUNDING CORP
Type	Mortgage Company
Address	WEST HARRISON, NY 10604

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	901 Months
Due	Mar 7, 2097

Interest

Rate Type	Adjustable Rate
Rate	3.8%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	13.8%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	507 CHARLES ST, SPENCER, NC 28159-1703
Document Number	0013220342
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 CHARLES ST SPENCER NC 281591703, SPENCER, NC 28159-1703

Mortgage

Document Number	0013220342
Date	Jan 31, 2019
Book Page	001322/000342

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jan 30, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.58%

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	507 CHARLES ST, SPENCER, NC 28159-1703
Document Number	0013220343
Instrument Date	Jan 24, 2019
Transaction Type	Mortgage
Record Updated	Feb 7, 2019
Title Company	FNC TITLE SERVICES, FNC TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	507 CHARLES ST SPENCER NC 281591703, SPENCER, NC 28159-1703

Mortgage

Document Number	0013220343
Date	Jan 31, 2019
Book Page	001322/000343

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	936 Months
Due	Jan 30, 2097

Interest

Rate Type	Adjustable Rate
Rate	5.58%

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	$2,798.00	$247,650 (-) Land $26,500 Building $221,150	$247,650 (-) Land $26,500 Building $221,150
2025	$2,798.00	$247,650 (-) Land $26,500 Building $221,150
2023	$2,798.00	$247,650 Land $26,500 Building $221,150	$247,650 Land $26,500 Building $221,150

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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