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809 4th St, Spencer, NC 28159 Property Records

Rowan County property record for 809 4th St, Spencer, NC 28159 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bathrooms1 Baths
Year BuiltBuilt 2005
Square Footage1,074 sqft Living Area
Lot Size9,700 sqft (0.22 acres)
GarageDetached
OccupancyOwner Occupied
Last Sale$69,000 (1998)
Tax Bill$1,659.00 (2025)

Property Details

APN / Parcel Number

Primary APN033 066
Alternative APN
  • 6149956

Interior

Full Baths1 Baths
Building Area1,074 sqft Living Area
1st Floor1,074 sqft 1st Floor
Basement Area773 sqft Basement
Unfinished Basement773 sqft Unfinished
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 1925
Effective Year BuiltEffective 2005
Exterior MaterialAluminum/Vinyl Exterior
Lot Area9,700 sqft (0.22 acres)
Depth X Width194 ft x 50 ft Depth x Width
Garage TypeDetached Garage

Exterior Amenities

Deck Area120 sqft Deck
Porch1 Porch
Porch Area114 sqft Porch
Storage Building240 sqft Storage Building

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address809 4TH ST
CitySPENCER
StateNC
Zip28159-1623
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionL13 BLK 3 CHAS. B. JORDAN'S ADDT.
Legal SubdivisionCHARLES B JORDANS ADDITION
Legal Block3
JurisdictionROWAN NC
Minor Civil DivisionSALISBURY
Census Blockgroup3
Census Block3006
Census Tract50700

Owner

Source: Rowan County records · APN 033 066

Assessment roll updated August 8, 2025 · Last verified June 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address809 4TH ST, SPENCER, NC 28159-1623
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingEt Ux (and Wife) - Vendor Data Only

Deeds, Mortgages & Sale History

DateDocument
May 29, 2026Deed of Trust, Mortgage · Veterans Administration Mortgage
NATIONS MORTGAGE
Apr 20, 2022Deed of Trust, Mortgage · Veterans Administration Mortgage
ROCKET MORTGAGE LLC
Nov 06, 2017Loan Modification, Mortgage · Veterans Administration Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 29, 1998 · Amount on Record
Deed SaleMay 29, 1998 · Amount on Record
Deed Book / Page823 / 118
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN NC
Recording DateMay 29, 2026
Property Address809 4TH ST, SPENCER, NC 28159-1623
Document Number1484000052
Book / Page1484 / 52
Instrument DateMay 23, 2026
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyLENDERS SERVICE INC, LENDERS SERVICE

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 4TH ST, SPENCER, NC 28159-1623

Mortgage

Document Number1484000052,
DateMay 29, 2026
Book Page1484/52
Lender
NameNATIONS MORTGAGE
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.23%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionROWAN NC
Property Address809 4TH ST, SPENCER, NC 28159-1623
Transaction TypeMortgage
Record UpdatedApr 29, 2022
Title CompanyAMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0014000257
DateApr 20, 2022
Book Page1400/257
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term181 Months
DueMay 01, 2037

November 2017: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionROWAN NC
Property Address809 4TH ST, SPENCER, NC 28159-1623
Document Number0013020859
Instrument DateNov 06, 2017
Transaction TypeMortgage
Record UpdatedAug 30, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address809 4TH ST SPENCER NC 281591623, SPENCER, NC 28159-1623

Mortgage

Document Number0013020859
DateJan 17, 2018
Book Page001302/000859
Lender
NameBANK OF AMERICA
TypeBank
AddressBROOMFIELD, CO 80021
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term120 Months
DueJan 16, 2028
Interest
Rate TypeFixed Rate
Rate4.37%

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateNorth Carolina
CountyRowan County
MunicipalitySpencer Town
Unified School DistrictRowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$1,659.00$146,864 (-) Land $18,000 Building $128,864
2023$1,659.00$146,864 Land $18,000 Building $128,864$146,864 Land $18,000 Building $128,864

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 20% of the US · above 24% of North Carolina
Wildfire LikelihoodAbout 1 in 3,448 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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