508 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 508 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,338 sqft · built 1962
Lot Size	0.6 acres (26,136 sqft)
Owner	Individual Name on Record
Last Sale	$214,000 (Nov 2022)
Tax Bill	$2,134 (2026)
Deeds & Mortgages	Nov 2022 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`036A099`

Property Details

APN / Parcel Number

Primary APN	`036A099`
Alternative APN	`6298606`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,338 sqft Living Area
1st Floor Area	1,338 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	26,136 sqft (0.6 acres)
Garage Type	Detached
Garage Area	534 sqft
Porch	Porch
Porch Area	36 sqft
Deck Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	508 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	L10 & PT11 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	508 CHARLES ST, SPENCER, NC 28159-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 9, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Oct 5, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 9, 2022 · Amount on Record
Deed Sale	Nov 9, 2022 · Amount on Record
Prior Sale	Aug 7, 2009 · Amount on Record
Deed Book / Page	1413 / 424
Prior Transfer Date	Sep 16, 2022
Prior Transfer Doc	0014110277
Record Updated	Oct 29, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 9, 2022
Property Address	508 CHARLES ST, SPENCER, NC 28159-1704
Document Number	0014130424
Book / Page	1413 / 424
Instrument Date	Nov 4, 2022
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$428.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 BELGRADE SWANSBORO RD, 2150, MAYSVILLE, NC 28555-9656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 CHARLES ST, SPENCER, NC 28159-1704
Investor	Possibly a Property Investor

Mortgage

Document Number	0001413425
Date	Nov 9, 2022
Instrument	1413/425

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Oct 5, 2022
Property Address	508 CHARLES ST, SPENCER, NC 28159-1704
Document Number	0014110277
Book / Page	1411 / 277
Map Reference	MB 1147 PG 389
Instrument Date	Sep 16, 2022
Transaction Type	Transfer
Record Updated	Jan 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4 BRIARBRANCH CT, GREENSBORO, NC 27405-9699

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 BELGRADE SWANSBORO RD, MAYSVILLE, NC 28555-9656

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	$2,134.00	$188,857 (-) Land $26,500 Building $162,357	$188,857 (-) Land $26,500 Building $162,357
2025	$2,134.00	$188,857 (-) Land $26,500 Building $162,357
2023	$2,134.00	$188,857 Land $26,500 Building $162,357	$188,857 Land $26,500 Building $162,357

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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