701 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 701 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,674 sqft · built 1987
Lot Size	0.71 acres (30,928 sqft)
Owner	Individual Name on Record
Last Sale	$147,513 (Oct 2013)
Tax Bill	$3,047 (2026)
Deeds & Mortgages	May 2021 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`037 033`

Property Details

APN / Parcel Number

Primary APN	`037 033`
Alternative APN	`11282`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,674 sqft Living Area
1st Floor Area	1,674 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2006
Exterior Material	Brick
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Detached
Garage Area	576 sqft
Porch	Porch
Porch Area	132 sqft
Patio Area	504 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	701 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1707
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	.71AC L2
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1020
Census Tract	50700

Owner

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	Individual Name on Record
Mailing Address	701 CHARLES ST, SPENCER, NC 28159-1707
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2013 · Amount on Record
Deed Sale	Oct 9, 2013 · Amount on Record
Prior Sale	Feb 17, 2006 · Amount on Record
Deed Book / Page	1225 / 521
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	701 CHARLES ST, SPENCER, NC 28159-1707
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013750248
Date	May 18, 2021
Book Page	1375/248

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Apr 1, 2041

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	701 CHARLES ST, SPENCER, NC 28159-1707
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013710572
Date	Mar 31, 2021
Book Page	1371/572

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

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	$3,047.00	$269,702 (-) Land $28,875 Building $240,827	$269,702 (-) Land $28,875 Building $240,827
2023	$3,047.00	$269,702 Land $28,875 Building $240,827	$269,702 Land $28,875 Building $240,827

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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	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.

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 78 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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