Rowan County property record for 509 Charles St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,846 sqft · built 1991 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $77,000 (Dec 1991) |
| Tax Bill | $2,763 (2025) |
| Deeds & Mortgages | Jan 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 036A115 |
| Primary APN | 036A115 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,846 sqft Living Area |
| 1st Floor Area | 1,846 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Brick |
| Lot Area | 17,424 sqft (0.4 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 222 sqft |
| Deck Area | 168 sqft |
| Storage Building | 192 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 509 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 | L5 BC |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 50700 |
Source: Rowan County records, as of May 21, 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 Record |
|---|---|
| Mailing Address | 509 CHARLES ST, SPENCER, NC 28159-1703 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 1991 · Amount on Record |
| Deed Sale | Dec 27, 1991 · Amount on Record |
| Deed Book / Page | 683 / 447 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 509 CHARLES ST, SPENCER, NC 28159-1703 |
| Transaction Type | Mortgage |
| Record Updated | Feb 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0014760459 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 1476/459 |
| Name | SKYLA FCU |
|---|---|
| Type | Credit Union |
| Address | CHARLOTTE, NC 28209 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Rowan County assessment roll, as of August 8, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,763.00 | $244,556 (-) Land $26,500 Building $218,056 | |
| 2023 | $2,763.00 | $244,556 Land $26,500 Building $218,056 | $244,556 Land $26,500 Building $218,056 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures