602 Meadow St, Spencer, NC 28159 Property Records

Rowan County property record for 602 Meadow St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 2024
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Oct 2025)
Tax Bill	$1,865 (2026)
Deeds & Mortgages	Mar 2024 Construction Loan Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 438`

Property Details

APN / Parcel Number

Primary APN	`033 438`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Aluminum/Vinyl
Lot Area	4,792 sqft (0.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	602 MEADOW ST
City	SPENCER
State	NC
Zip	28159-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L5 .11AC
Legal Subdivision	MINOR SUBDIVISION
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2006
Census Tract	50700

Historic Designation

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.

Owner

602 Meadow St is owned and occupied by two individuals who bought it in October 2025.

Source: Rowan County records, as of August 25, 2026

Owner of Record	2 Individual Names on File
Mailing Address	602 MEADOW ST, SPENCER, NC 28159-2242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · Construction Mortgage FARMERS & MERCHANTS BANK
Oct 20, 2025	Special Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 20, 2025 · Amount on File
Deed Sale	Oct 20, 2025 · Amount on File
Prior Sale	Feb 16, 2023 · Amount on File
Deed Book / Page	1471 / 52
Prior Transfer Date	Feb 10, 2023
Prior Transfer Doc	1418000325
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	602 MEADOW ST, SPENCER, NC 28159-2242
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6549 MOREHEAD RD, HARRISBURG, NC 28075-8492
Investor	Possibly a Property Investor

Mortgage

Document Number	0014380100
Date	Mar 4, 2024
Book Page	1438/100

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	GRANITE QUARRY, NC 28072

Agreement

Type	Construction Mortgage
Amount	Amount on Record

October 2025: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 20, 2025
Property Address	602 MEADOW ST, SPENCER, NC 28159-2242
Document Number	0014710052
Book / Page	1471 / 52
Map Reference	MB 9995 PG 10737
Instrument Date	Oct 20, 2025
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2339 ODELL SCHOOL RDA, CONCORD, NC 28027

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	602 MEADOW ST, SPENCER, NC 28159-2242

Mortgage

Document Number	0000147153
Date	Oct 20, 2025
Instrument	1471/53

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 602 Meadow St was $1,865.

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	$1,865.00	$165,070 (-) Land $19,000 Building $146,070	$165,070 Land $19,000 Building $146,070
2025	$1,865.00	$165,070 Land $19,000 Building $146,070
2023	$182.00	$16,150 Land $16,150	$165,070 Land $19,000 Building $146,070

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 602 Meadow St in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 602 Meadow St is low, with a 0.03% annual chance of 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	0.03% annual chance
Exposure	Direct burnable vegetation

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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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