513 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 513 Charles St, Spencer, NC 28159 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	2 Baths
Year Built	Built 2002
Square Footage	1,472 sqft Living Area
Lot Size	17,424 sqft (0.4 acres)
Occupancy	Owner Occupied
Last Sale	$117,000 (2019)
Tax Bill	$2,042.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`036A125`
Alternative APN	`6186020`

Interior

Full Baths	2 Baths
Building Area	1,472 sqft Living Area
1st Floor	1,472 sqft 1st Floor
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1979
Effective Year Built	Effective 2002
Exterior Material	Wood Siding Exterior
Lot Area	17,424 sqft (0.4 acres)

Exterior Amenities

Patio Area	182 sqft Patio
Porch	1 Porch
Porch Area	84 sqft Porch
Storage Building	64 sqft Storage Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Heat Pump Heating

Location & Zoning

Street Address	513 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1703
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	L17 BC
Legal Subdivision	FORESTDALE SUBDIVISION
Jurisdiction	ROWAN NC
Minor Civil Division	SALISBURY
Census Blockgroup	1
Census Block	1026
Census Tract	50700

Owner

Source: Rowan County records · APN 036A125

Assessment roll updated August 8, 2025 · Last verified June 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 File
Mailing Address	513 CHARLES ST, SPENCER, NC 28159-1703
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 12, 2019 · Amount on Record
Deed Sale	Jul 12, 2019 · Amount on Record
Prior Sale	Feb 09, 2000 · Amount on Record
Deed Book / Page	1330 / 826
Record Refreshed	Sep 20, 2026

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 12, 2019
Property Address	513 CHARLES ST, SPENCER, NC 28159-1703
Document Number	0013300826
Book / Page	1330 / 0826
Instrument Date	Jul 03, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021
Title Company	STEWART TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$234.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	266 WINDSOR GARDEN DR, 266, ENTERPRISE, AL 36330-8602

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	513 CHARLES ST, SPENCER, NC 28159-1703

Mortgage

Document Number	13300827
Date	Jul 12, 2019
Instrument	1330/0827

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2049

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,042.00	$180,789 (-) Land $26,500 Building $154,289
2023	$2,042.00	$180,789 Land $26,500 Building $154,289	$180,789 Land $26,500 Building $154,289

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 4,762 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.