Rowan County property record for 607 S Rowan Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,120 sqft · built 2002 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Oct 2020) |
| Tax Bill | $1,594 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Dec 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 062 |
| Primary APN | 032 062 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 145 ft deep x 83 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 36 sqft |
| Storage Building | Storage Building |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 607 S ROWAN AVE |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2143 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6:TWO FAM |
| Legal Description | .28AC L2 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 4 |
| Census Block | 4032 |
| 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 are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 607 S ROWAN AVE, SPENCER, NC 28159-2143 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Dec 10, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Jun 20, 2018 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on Record |
| Deed Sale | Oct 30, 2020 · Amount on Record |
| Prior Sale | Dec 18, 2015 · Amount on Record |
| Deed Book / Page | 1359 / 986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Oct 30, 2020 |
| Property Address | 607 S ROWAN AVE, SPENCER, NC 28159-2143 |
| Document Number | 0013590986 |
| Book / Page | 1359 / 986 |
| Map Reference | MAP 9995 PG 4065 |
| Instrument Date | Oct 30, 2020 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $280.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2331 HERON DR, 2331, LAKE WALES, FL 33859-4819 |
| Name | Verified Name |
|---|---|
| Address | 607 S ROWAN AVE, SPENCER, NC 28159-2143 |
| Document Number | 0013590987 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 1359/987 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | Nov 1, 2025 |
| Change Frequency | 5 Years |
| Min Rate At Change | 4.25% |
| Max Rate At Change | 6.37% |
| Index | 5-Year CMT |
| Max Rate | 10.3% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 607 S ROWAN AVE, SPENCER, NC 28159-2143 |
| Document Number | 0013390904 |
| Instrument Date | Dec 10, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 607 S ROWAN AVE SPENCER NC 281592143, SPENCER, NC 28159-2143 |
| Document Number | 0013390904 |
|---|---|
| Date | Dec 17, 2019 |
| Book Page | 001339/000904 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 16, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 607 S ROWAN AVE, SPENCER, NC 28159-2143 |
| Document Number | 0013110391 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 607 S ROWAN AVE SPENCER NC 281592143, SPENCER, NC 28159-2143 |
| Document Number | 0013110391 |
|---|---|
| Date | Jun 22, 2018 |
| Book Page | 001311/000391 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 21, 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 | $1,594.00 | $141,066 (-) Land $19,800 Building $121,266 | $141,066 (-) Land $19,800 Building $121,266 |
| 2023 | $1,594.00 | $141,066 Land $19,800 Building $121,266 | $141,066 Land $19,800 Building $121,266 |
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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