801 4th St, Spencer, NC 28159 Property Records

Rowan County property record for 801 4th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,482 sqft · built 1928
Lot Size	0.22 acres (9,700 sqft)
Owner	2 Individual Names on File
Last Sale	$150,000 (Aug 2026)
Tax Bill	$1,688 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`033 069`

Property Details

APN / Parcel Number

Primary APN	`033 069`
Alternative APN	`6345992`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,482 sqft Living Area
1st Floor Area	1,286 sqft
Basement Area	772 sqft
Unfinished Basement	772 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Effective Year Built	Effective 2000
Exterior Material	Brick
Lot Area	9,700 sqft (0.22 acres)
Lot Dimensions	194 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	529 sqft
Porch	Porch
Porch Area	196 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	801 4TH ST
City	SPENCER
State	NC
Zip	28159-1623
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L1 BLK 3 CHAS. B. JORDAN'S ADDT.
Legal Block	3
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3006
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 assessment roll, as of August 8, 2025

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	801 4TH ST, SPENCER, NC 28159-1623
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · Conventional Mortgage HOME MORTGAGE CORPORATION
Nov 12, 2019	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Dec 12, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 31, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 6, 2026 · Amount on Record
Deed Sale	Aug 6, 2026 · Amount on Record
Prior Sale	Dec 12, 2017 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1488 / 547
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 6, 2026
Property Address	801 4TH ST, SPENCER, NC 28159-1623
Document Number	1488000547
Book / Page	1488 / 547
Instrument Date	Jul 22, 2026
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$30,300.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 4TH ST, SPENCER, NC 28159-1623

Mortgage

Document Number	1488000548,
Date	Aug 6, 2026
Book Page	1488/548

Lender

Name	HOME MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	1488000549,
Date	Aug 6, 2026
Book Page	1488/549

Lender

Name	HOUSING FINANCE AGENCY NC

Agreement

Amount	Amount Recorded

Interest

Rate	6.49%
Max Rate	-1%

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	801 4TH ST, SPENCER, NC 28159-1623
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013370907
Date	Nov 12, 2019
Book Page	1337/0907

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 23, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 12, 2017
Property Address	801 4TH ST, SPENCER, NC 28159-1623
Document Number	0013010244
Book / Page	001301 / 000244
Instrument Date	Dec 7, 2017
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	565 BUFORD ST NW CONCORD NC 280254411, CONCORD, NC 28025-4411

Mortgage

Document Number	13010245
Date	Dec 12, 2017
Book Page	001301/000245

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 11, 2047

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 31, 2017
Property Address	801 4TH ST, SPENCER, NC 28159-1623
Document Number	0012950859
Book / Page	001295 / 000859
Instrument Date	Aug 30, 2017
Transaction Type	Foreclosure
Record Updated	Sep 25, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$56.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	118 CASEYS DR WHITEVILLE NC 284727604, WHITEVILLE, NC 28472-7604

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	$1,688.00	$149,450 (-) Land $18,000 Building $131,450
2023	$1,688.00	$149,450 Land $18,000 Building $131,450	$149,450 Land $18,000 Building $131,450

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
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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