Rowan County property record for 704 3rd St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
|---|---|
| Architecture Style | Multifamily |
| Year Built | Built 2015 |
| Square Footage | 1,756 sqft Total Area |
| Lot Size | 10,200 sqft (0.23 acres) |
| Garage | Detached, 484 sqft |
| Occupancy | Owner Occupied |
| Last Sale | $245,000 (2026) |
| Tax Bill | $2,002.00 (2025) |
| Primary APN | 033 285 |
|---|---|
| Alternative APN |
|
| Building Area | 1,756 sqft Total Area |
|---|---|
| 1st Floor | 1,756 sqft 1st Floor |
| Stories | 1 Stories |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Multifamily Style |
| Exterior Material | Wood Exterior |
| Lot Area | 10,200 sqft (0.23 acres) |
| Depth X Width | 170 ft x 60 ft Depth x Width |
| Garage Type | Detached Garage |
| Garage Area | 484 sqft Garage |
| Porch | 1 Porch |
| Porch Area | 48 sqft Porch |
| Heating System | Forced Air with Air Conditioning Heating |
|---|
| Street Address | 704 3RD ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2343 |
| Property Usage | Residential Property Usage |
| Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | L3 - BLK 4 WHITEHEAD PROP. ADDTION TO SPENCER |
| Legal Subdivision | WHITEHEAD PROPERTY ADDITION |
| Legal Block | 4 |
| Jurisdiction | ROWAN NC |
| Minor Civil Division | SALISBURY |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 50700 |
Source: Rowan County records · APN 033 285
Assessment roll updated August 8, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 23, 2026 | Warranty Deed, Transfer INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS COMPANY |
| Dec 10, 2025 | Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC |
| May 26, 2022 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MOVEMENT MORTGAGE |
| Mar 29, 2021 | Intrafamily Transfer, Transfer |
| Oct 16, 2019 | Quit Claim Deed, Transfer · Conventional Mortgage GATEWAY MORTGAGE GROUP LLC |
| Dec 31, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 23, 2026 · Amount on Record |
| Deed Sale | Jan 23, 2026 · Amount on Record |
| Prior Sale | May 26, 2022 · Amount on Record |
| Deed Doc Number | 2026 |
| Deed Book / Page | 1476 / 455 |
| Prior Transfer Date | Mar 23, 2021 |
| Prior Transfer Doc | 0013710376 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jan 23, 2026 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0014760455 |
| Book / Page | 1476 / 455 |
| Instrument Date | Jan 23, 2026 |
| Transaction Type | Transfer |
| Record Updated | Feb 03, 2026 |
| Title Company | INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $490.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 304 CHESTNUT PARKWAY #85288528, 85288528, SPENCER, NC 28159 |
| Name | Verified Name |
|---|---|
| Address | 704 3RD STREET, INDIAN TRAIL, NC 28079 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 10, 2025 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0014730979 |
| Book / Page | 1473 / 979 |
| Instrument Date | Nov 26, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 19, 2025 |
| Title Company | LONE PEAK TITLE INSURANCE, LONGLEAF TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1307 BRANTLEY RD, KANNAPOLIS, NC 28083-3814 |
| Name | Verified Name |
|---|---|
| Address | 7023RD STREET, SPENCER, NC 28159 |
| Document Number | 0001473980 |
|---|---|
| Date | Dec 10, 2025 |
| Instrument | 1473/980 |
| Name | CHANGE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 26, 2022 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0014020820 |
| Book / Page | 1402 / 820 |
| Instrument Date | May 26, 2022 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $450.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 11100 MCCOY RD, HUNTERSVILLE, NC 28078-6923 |
| Name | Verified Name |
|---|---|
| Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0001402821 |
|---|---|
| Date | May 26, 2022 |
| Instrument | 1402/821 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 29, 2021 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0013710376 |
| Book / Page | 1371 / 376 |
| Instrument Date | Mar 23, 2021 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11100 MCCOY RD, HUNTERSVILLE, NC 28078-6923 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Oct 16, 2019 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0013360382 |
| Book / Page | 1336 / 0382 |
| Instrument Date | Oct 16, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 704 3RD ST, 704, SPENCER, NC 28159-2343 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants In Common |
| Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 13360383 |
|---|---|
| Date | Oct 16, 2019 |
| Instrument | 1336/0383 |
| Name | GATEWAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 31, 2018 |
| Property Address | 704 3RD ST, SPENCER, NC 28159-2343 |
| Document Number | 0013210026 |
| Book / Page | 001321 / 000026 |
| Instrument Date | Dec 31, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 10, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $88.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 20265 HARROWAY DR CORNELIUS NC 280316860, CORNELIUS, NC 28031-6860 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,002.00 | $177,194 (-) Land $19,000 Building $158,194 | |
| 2023 | $2,002.00 | $177,194 Land $19,000 Building $158,194 | $177,194 Land $19,000 Building $158,194 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,846 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: NPS National Register of Historic Places · August 1, 2026 release · Last verified October 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.
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