Rowan County property record for 510 4th St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,304 sqft · built 1928 |
| Lot Size | 0.25 acres (11,050 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $229,000 (Feb 2023) |
| Tax Bill | $2,533 (2026) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage Sep 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 270 |
| Primary APN | 033 270 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 2 Stories |
| Building Area | 2,304 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Brick |
| Lot Area | 11,050 sqft (0.25 acres) |
| Lot Dimensions | 170 ft deep x 65 ft wide |
| Porch | Porch |
| Porch Area | 279 sqft |
| Deck Area | 279 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 510 4TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2222 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6:TWO FAM |
| Legal Description | L 4 BLK 7 DR. JOHN WHITEHEAD'S ADDT. TO SPENCER |
| Legal Block | 7 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 2 |
| Census Block | 2007 |
| Census Tract | 50700 |
Source: NPS National Register of Historic Places, as of August 1, 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.
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Feb 6, 2023 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage NATIONS LENDING CORP |
| Sep 23, 2022 | Warranty Deed, Transfer |
| Aug 17, 2018 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 6, 2023 · Amount on Record |
| Deed Sale | Feb 6, 2023 · Amount on Record |
| Prior Sale | Sep 23, 2022 · Amount on Record |
| Deed Book / Page | 1417 / 771 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Feb 6, 2023 |
| Property Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Document Number | 0014170771 |
| Book / Page | 1417 / 771 |
| Instrument Date | Feb 6, 2023 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 16, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $458.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5171 SHOREVIEW DR, CONCORD, NC 28025-7698 |
| Name | Verified Name |
|---|---|
| Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Document Number | 0001417772 |
|---|---|
| Date | Feb 6, 2023 |
| Instrument | 1417/772 |
| Name | NATIONS LENDING CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Sep 23, 2022 |
| Property Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Document Number | 0014100578 |
| Book / Page | 1410 / 578 |
| Instrument Date | Sep 23, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7610 TIMBER COMMONS LN, 7610, CHARLOTTE, NC 28212-8638 |
| Name | Verified Name |
|---|---|
| Address | 5171 SHOREVIEW DR, CONCORD, NC 28025-7698 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 17, 2018 |
| Property Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Document Number | 0013140292 |
| Book / Page | 1314 / 0292 |
| Map Reference | MB 1219 PG 338 |
| Instrument Date | Aug 17, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $234.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 347 N NC HIGHWAY 87, 347, BURLINGTON, NC 27217-9702 |
| Name | Verified Name |
|---|---|
| Address | 510 4TH ST, SPENCER, NC 28159-2222 |
| Document Number | 13140293 |
|---|---|
| Date | Aug 17, 2018 |
| Instrument | 1314/0293 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2048 |
Source: Rowan County assessment roll, as of August 25, 2026
| 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 |
|---|---|---|---|
| 2026 | $2,533.00 | $224,186 (-) Land $20,900 Building $203,286 | $224,186 (-) Land $20,900 Building $203,286 |
| 2023 | $2,533.00 | $224,186 Land $20,900 Building $203,286 | $224,186 Land $20,900 Building $203,286 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; 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 | 0.01% 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 371 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 |
| Starlink Satellite | 280 / 30 |
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