Rowan County property record for 705 Charles St, Spencer, NC 28159 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,340 sqft · built 2006 |
| Lot Size | 0.71 acres (30,928 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,830 (2025) |
| Deeds & Mortgages | Mar 2017 Mortgage Oct 2019 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 037 044 |
| Primary APN | 037 044 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| 1st Floor Area | 1,340 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 30,928 sqft (0.71 acres) |
| Garage Area | 552 sqft |
| Porch | Porch |
| Porch Area | 80 sqft |
| Deck Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 705 CHARLES ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .71AC L1 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 50700 |
Source: Rowan County records · APN 037 044
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 | Individual Name on File |
|---|---|
| Mailing Address | 705 CHARLES ST, SPENCER, NC 28159-1707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 17, 2017 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 21, 2019 | Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Dec 07, 2020 | Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Dec 10, 2018 | Deed of Trust, Mortgage · VA Mortgage EMBRACE HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 03, 2008 |
| Deed Sale | Jun 03, 2008 |
| Prior Sale | Jan 12, 2007 · Amount on Record |
| Deed Book / Page | 1122 / 995 |
| Prior Transfer Date | Mar 20, 2008 |
| Prior Transfer Doc | 0011170793 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 705 CHARLES ST, SPENCER, NC 28159-1707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012860584 |
|---|---|
| Date | Mar 17, 2017 |
| Book Page | 1286/0584 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 705 CHARLES ST, SPENCER, NC 28159-1707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CERTIFIED TITLE CORP |
| Name | Verified Name |
|---|
| Document Number | 0013360581 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 1336/0581 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Address | ISELIN, NJ 08830 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 705 CHARLES ST, SPENCER, NC 28159-1707 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ELEVATED NATL SETMNT SVCS LL |
| Name | Verified Name |
|---|
| Document Number | 0013620462 |
|---|---|
| Date | Dec 07, 2020 |
| Book Page | 1362/462 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89052 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 705 CHARLES ST, SPENCER, NC 28159-1707 |
| Document Number | 0013200397 |
| Instrument Date | Dec 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2018 |
| Name | Verified Name |
|---|---|
| Address | 705 CHARLES ST SPENCER NC 281591707, SPENCER, NC 28159-1707 |
| Document Number | 0013200397 |
|---|---|
| Date | Dec 18, 2018 |
| Book Page | 001320/000397 |
| Name | EMBRACE HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | MIDDLETOWN, RI 02842 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 17, 2048 |
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 | $2,830.00 | $250,468 (-) Land $29,700 Building $220,768 | |
| 2023 | $2,830.00 | $250,468 Land $29,700 Building $220,768 | $250,468 Land $29,700 Building $220,768 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371590507001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 1 (2020) |
| Most Recent Claim | Aug 2020, river or lake flooding |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 78 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures