Rowan County property record for 707 S Rowan Ave, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,032 sqft · built 1949 |
| Lot Size | 0.25 acres (10,875 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $166,000 (Nov 2023) |
| Tax Bill | $1,868 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Aug 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 032 072 |
| Primary APN | 032 072 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,032 sqft Living Area |
| 1st Floor Area | 1,032 sqft |
| Basement Area | 857 sqft |
| Unfinished Basement | 857 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,875 sqft (0.25 acres) |
| Lot Dimensions | 145 ft deep x 75 ft wide |
| Porch | Porch |
| Porch Area | 204 sqft |
| Deck Area | 144 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 707 S ROWAN AVE |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-2145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R6:TWO FAM |
| Legal Description | L4 & PT3 B53 HENDERSON AND VANDERFORD ADDT. TO SPENCER |
| Legal Subdivision | HENDERSON AND VANDERFORD ADDITION |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 4 |
| Census Block | 4033 |
| Census Tract | 50700 |
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.
707 S Rowan Ave is owned and occupied by two individuals who bought it in November 2023.
Source: Rowan County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 21, 2023 | Warranty Deed, Transfer · FHA Mortgage EQUITY PRIME MORTGAGE LLC |
| Aug 12, 2022 | Deed of Trust, Mortgage · Unknown FORETHOUGHT LIFE INSURANCE COMPANY |
| Aug 8, 2022 | Warranty Deed, Transfer |
| Dec 16, 2019 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 21, 2023 · Amount on File |
| Deed Sale | Nov 21, 2023 · Amount on File |
| Prior Sale | Aug 8, 2022 · Amount on File |
| Deed Book / Page | 1433 / 322 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 21, 2023 |
| Property Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Document Number | 0014330322 |
| Book / Page | 1433 / 322 |
| Instrument Date | Nov 11, 2023 |
| Transaction Type | Transfer |
| Record Updated | Dec 11, 2023 |
| Title Company | INTEGRA TITLE SERVICES LLC, INTEGRATED TITLE SVCS LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $332.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 99 WALL ST # 253, 253, NEW YORK, NY 10005-4301 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Document Number | 0001433323 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | 1433/323 |
| Name | EQUITY PRIME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | BCHH TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 99 WALL ST 253, 253, NEW YORK, NY 10005-4301 |
| Document Number | 0014070905 |
|---|---|
| Date | Aug 12, 2022 |
| Book Page | 1407/905 |
| Name | FORETHOUGHT LIFE INSURANCE COMPANY |
|---|---|
| Type | Non-Lending Institution |
| Address | 79797 |
| Type | Unknown |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 8, 2022 |
| Property Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Document Number | 0014070600 |
| Book / Page | 1407 / 600 |
| Instrument Date | Aug 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 117 SOFTAIL LN, 117, MOCKSVILLE, NC 27028-5368 |
| Name | Verified Name |
|---|---|
| Address | 99 WALL ST # 253, 253, NEW YORK, NY 10005-4301 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 16, 2019 |
| Property Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Document Number | 0013390789 |
| Book / Page | 1339 / 0789 |
| Instrument Date | Dec 13, 2019 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $160.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1440 GHEEN RD, 1440, SALISBURY, NC 28147-9746 |
| Name | Verified Name |
|---|---|
| Address | 707 S ROWAN AVE, SPENCER, NC 28159-2145 |
| Document Number | 13390790 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 1339/0790 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2050 |
The 2026 property tax bill for 707 S Rowan Ave was $1,868.
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Spencer Town |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,868.00 | $165,387 Land $21,600 Building $143,787 | $165,387 Land $21,600 Building $143,787 |
| 2023 | $1,498.00 | $132,567 Land $21,600 Building $110,967 | $132,567 Land $21,600 Building $110,967 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 707 S Rowan Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 10, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 707 S Rowan Ave is low, with a 0.01% annual chance of 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 | 0.01% 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.
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 |
| 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.
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 |
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