703 5th St, Spencer, NC 28159 Property Records

Rowan County property record for 703 5th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,768 sqft · built 1916
Lot Size	0.25 acres (10,875 sqft)
Owner	2 Individual Names on Record
Last Sale	$92,000 (Aug 2020)
Tax Bill	$1,964 (2025)
Deeds & Mortgages	Jun 2026 Construction Loan Oct 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033 135`

Property Details

APN / Parcel Number

Primary APN	`033 135`
Alternative APN	`6333824`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,768 sqft Living Area
1st Floor Area	1,768 sqft

Exterior

Year Built	Built 1916
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Lot Area	10,875 sqft (0.25 acres)
Lot Dimensions	145 ft deep x 75 ft wide
Garage Type	Detached
Porch	Porch
Porch Area	252 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	703 5TH ST
City	SPENCER
State	NC
Zip	28159-1519
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L2 & PT3 BLK 35 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON VANDERFORD
Legal Block	35
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3015
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

Source: Rowan County records, as of July 6, 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 Record
Mailing Address	703 5TH ST, SPENCER, NC 28159-1519
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed, Transfer · Construction Mortgage ORCHARD TITLE, ORCHARD TITLE COMPANY
Oct 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Aug 21, 2020	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	May 11, 2006 · Amount on Record
Deed Book / Page	1354 / 952
Last Transfer Date	Jun 16, 2026
Transfer Doc	1485000828
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 24, 2026
Property Address	703 5TH ST, SPENCER, NC 28159-1519
Document Number	1485000828
Book / Page	1485 / 828
Instrument Date	Jun 16, 2026
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	ORCHARD TITLE, ORCHARD TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	703 5TH ST, SPENCER, NC 28159-1519

Mortgage

Document Number	1485000829,
Date	Jun 24, 2026
Book Page	1485/829

Lender

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Sep 16, 2026

Interest

Rate Type	Balloon
Rate	6.36%
Initial Type	Balloon
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	703 5TH ST, SPENCER, NC 28159-1519
Transaction Type	Mortgage
Record Updated	Nov 13, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 5TH ST, SPENCER, NC 28159-1519

Mortgage

Document Number	0014710668
Date	Oct 29, 2025
Book Page	1471/668

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Nov 1, 2030
Change Frequency	5 Years
Min Rate At Change	3.12%
Max Rate At Change	7.12%
Index	5-Year CMT
Max Rate	11.1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 21, 2020
Property Address	703 5TH ST, SPENCER, NC 28159-1519
Document Number	0013540952
Book / Page	1354 / 952
Map Reference	PG 42-A
Instrument Date	Aug 13, 2020
Transaction Type	Transfer
Record Updated	Aug 23, 2022
Title Company	CAROLINA TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5311 BIRCHLEAF LN, 5311, CLAREMONT, NC 28610-8051

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 5TH ST, SPENCER, NC 28159-1519

Mortgage

Document Number	0001354953
Date	Aug 21, 2020
Instrument	1354/953

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Sep 1, 2025
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 8, 2025

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
2025	$1,964.00	$173,835 (-) Land $23,400 Building $150,435
2023	$1,964.00	$173,835 Land $23,400 Building $150,435	$173,835 Land $23,400 Building $150,435

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
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	0.02% 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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