604 S Whitehead Ave, Spencer, NC 28159 Property Records

Rowan County property record for 604 S Whitehead Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,483 sqft · built 2021
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jun 2024)
Tax Bill	$2,705 (2026)
Deeds & Mortgages	Mar 2024 Sale Jul 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`033 434`

Property Details

APN / Parcel Number

Primary APN	`033 434`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,483 sqft Living Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Aluminum/Vinyl
Lot Area	23,522 sqft (0.54 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	604 S WHITEHEAD AVE
City	SPENCER
State	NC
Zip	28159-1540
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.54
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3008
Census Tract	50700

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	508 DOLLIE CIR, 1, SALISBURY, NC 28147-4709
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2024	Warranty Deed, Transfer
Jul 24, 2023	Warranty Deed, Transfer · Seller Carry-Back JENNIFER BAKER ETAL
Jan 4, 2023	Warranty Deed, Transfer TRYON TITLE AGENCY LLC
May 11, 2021	Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK
Dec 17, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage SOUTHWEST FUNDING LP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 3, 2024 · Amount on File
Deed Sale	Jun 3, 2024 · Amount on File
Prior Sale	Mar 11, 2024 · Amount on File
Deed Book / Page	1443 / 148
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 11, 2024
Property Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540
Document Number	0014380520
Book / Page	1438 / 520
Map Reference	MB 9995 PG 9548
Instrument Date	Feb 28, 2024
Transaction Type	Transfer
Record Updated	Mar 25, 2024

Transaction

Amount	Amount on Record
Tax	$652.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 DIVISION AVE, SALISBURY, NC 28144-7739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 390271, OMAHA, NE 68139-0271

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 24, 2023
Property Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540
Document Number	0014260889
Book / Page	1426 / 889
Map Reference	MB 9995 PG 9548
Instrument Date	Jul 20, 2023
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	TRYON TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX BOX, OMAHA, NE 68139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 DIVISION AVE, SALISBURY, NC 28144-7739

Mortgage

Document Number	0001426890
Date	Jul 24, 2023
Instrument	1426/890

Lender

Name	JENNIFER BAKER ETAL
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2053

Mortgage

Document Number	0014260891
Date	Jul 24, 2023
Book Page	1426/891

Lender

Name	JENNIFER BAKER ETAL
Type	Private Party
Address	PO BOX 390271, OMAHA, NE 68139

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2053

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 4, 2023
Property Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540
Document Number	0014160180
Book / Page	1416 / 180
Map Reference	MB 9995 PG 9548
Instrument Date	Dec 29, 2022
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	TRYON TITLE AGENCY LLC

Transaction

Amount	Amount on Record
Tax	$502.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 DEVONMERE PL, SALISBURY, NC 28144-8901

Mortgage

Document Number	0013740768
Date	May 11, 2021
Book Page	1374/768

Lender

Name	PEOPLES BANK
Type	Bank
Address	NEWTON, NC 28658

Agreement

Type	Construction Mortgage
Amount	Amount on Record

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 17, 2021
Property Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540
Document Number	0013910303
Book / Page	1391 / 303
Map Reference	MB 9995 PG 9548
Instrument Date	Dec 15, 2021
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 4, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1302 DEVONMERE PL, 1302, SALISBURY, NC 28144-8901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 S WHITEHEAD AVE, SPENCER, NC 28159-1540

Mortgage

Document Number	0001391304
Date	Dec 17, 2021
Instrument	1391/304

Lender

Name	SOUTHWEST FUNDING LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

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	$2,705.00	$239,386 (-) Land $19,800 Building $219,586	$239,386 (-) Land $19,800 Building $219,586
2025	$2,705.00 (+1.2%)	$239,386 (+1.2%) Land $19,800 Building $219,586
2023	$2,673.00 (+58.64%)	$236,549 (+84.23%) Land $19,800 Building $216,749	$239,386 (+86.44%) Land $19,800 Building $219,586
2022	$1,685.00	$128,400 Land $15,950 Building $112,450	$128,400 Land $15,950 Building $112,450

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2006)
Most Recent Claim	Nov 2006

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	0.03% 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 147 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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