704 7th St, Spencer, NC 28159 Property Records

Rowan County property record for 704 7th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,336 sqft · built 1947
Lot Size	0.332 acres (14,500 sqft)
Owner	Individual Name on Record
Last Sale	$80,000 (Aug 2003)
Tax Bill	$2,029 (2023)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`033 127`

Property Details

APN / Parcel Number

Primary APN	`033 127`
Alternative APN	`6240518`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,336 sqft Living Area
Gross Area	2,672 sqft
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1947
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	14,500 sqft (0.332 acres)
Lot Dimensions	145 ft deep x 100 ft wide
Garage Area	528 sqft
Porch	Porch
Porch Area	166 sqft
Storage Building	180 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	6240518
Old Parcel Number	033 127
Street Address	704 7TH ST
City	SPENCER
State	NC
Zip	28159-1532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE FAM-8
Legal Description	L13-14 BLK 42 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON & VANDERFORD ADD
Legal Block	42
Legal Lot Number	13
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3014
Census Tract	50700

Owner

Source: Rowan County records, as of October 9, 2023

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
Co-owner	Co-owner on Record
Mailing Address	704 7TH ST, SPENCER, NC 28159-1532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 21, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 2, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
May 11, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jun 26, 2018	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2003 · Amount on Record
Deed Sale	Aug 22, 2003 · Amount on Record
Deed Document Number	0000985191
Record Updated	Jun 7, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	704 7TH ST, SPENCER, NC 28159-1532
Transaction Type	Mortgage
Record Updated	Apr 5, 2022
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013980103
Date	Mar 23, 2022
Book Page	1398/103

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	704 7TH ST, SPENCER, NC 28159-1532
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013630565
Date	Dec 21, 2020
Book Page	1363/565

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	704 7TH ST, SPENCER, NC 28159-1532
Document Number	0013440692
Instrument Date	Mar 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 20, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	704 7TH ST SPENCER NC 281591532, SPENCER, NC 28159-1532

Mortgage

Document Number	0013440692
Date	Mar 6, 2020
Book Page	001344/000692

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	704 7TH ST, SPENCER, NC 28159-1532
Document Number	0013270731
Instrument Date	May 11, 2019
Transaction Type	Mortgage
Record Updated	May 23, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	704 7TH ST SPENCER NC 281591532, SPENCER, NC 28159-1532

Mortgage

Document Number	0013270731
Date	May 15, 2019
Book Page	001327/000731

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	704 7TH ST, SPENCER, NC 28159-1532
Document Number	0013110785
Instrument Date	Jun 26, 2018
Transaction Type	Mortgage
Record Updated	Jul 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	704 7TH ST SPENCER NC 281591532, SPENCER, NC 28159-1532

Mortgage

Document Number	0013110785
Date	Jun 29, 2018
Book Page	001311/000785

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of January 1, 2023

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
2023	$2,029.00	$179,636 Land $27,000 Building $152,636	$179,636 Land $27,000 Building $152,636

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	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures