Rowan County property record for 812 5th St, Spencer, NC 28159
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,602 sqft · built 1928 |
| Lot Size | 0.17 acres (7,250 sqft) |
| Owner | Company Name on File |
| Last Sale | $85,000 (Nov 2020) |
| Tax Bill | $2,083 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Dec 2020 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 033 111 |
| Primary APN | 033 111 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,602 sqft Living Area |
| 1st Floor Area | 1,602 sqft |
| Basement Area | 561 sqft |
| Unfinished Basement | 561 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,250 sqft (0.17 acres) |
| Lot Dimensions | 145 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Porch | Porch |
| Porch Area | 106 sqft |
| Deck Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 812 5TH ST |
|---|---|
| City | SPENCER |
| State | NC |
| Zip | 28159-1522 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R8:SINGLE |
| Legal Description | L15 BLK 32 ELIZABETH B. HENDERSON & MARY E. VANDERFORD |
| Legal Subdivision | VANDERFORD AND HENDERSON PROPERTY |
| Legal Tract | I |
| Legal Block | 32 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 50700 |
Source: Rowan County records · APN 033 111
Assessment roll updated August 8, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 3344 GILES RD, LEXINGTON, NC 27295-6944 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Dec 19, 2025 | Special Warranty Deed, Transfer · Commercial Mortgage PINNACLE BANK |
| Dec 03, 2020 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Nov 02, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2020 · Amount on Record |
| Deed Sale | Nov 02, 2020 · Amount on Record |
| Prior Sale | Jul 30, 2009 · Amount on Record |
| Deed Book / Page | 1360 / 152 |
| Last Transfer Date | Dec 18, 2025 |
| Transfer Doc | 0014740710 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 19, 2025 |
| Property Address | 812 5TH ST, SPENCER, NC 28159-1522 |
| Document Number | 0014740710 |
| Book / Page | 1474 / 710 |
| Map Reference | PG 42A |
| Instrument Date | Dec 18, 2025 |
| Transaction Type | Transfer |
| Record Updated | Feb 09, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3344 GILES RD, LEXINGTON, NC 27295-6944 |
| Name | Verified Name |
|---|---|
| Address | 3344 GILES RD, LEXINGTON, NC 27295-6944 |
| Document Number | 0001476539 |
|---|---|
| Date | Dec 19, 2025 |
| Instrument | 1476/539 |
| Name | PINNACLE BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 29, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 812 5TH ST, SPENCER, NC 28159-1522 |
| Transaction Type | Mortgage |
| Record Updated | Jun 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4762 E HOLLY GROVE RD, THOMASVILLE, NC 27360-8530 |
| Document Number | 0013620256 |
|---|---|
| Date | Dec 03, 2020 |
| Book Page | 1362/256 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | GREENSBORO, NC 27408 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 02, 2020 |
| Property Address | 812 5TH ST, SPENCER, NC 28159-1522 |
| Document Number | 0013600152 |
| Book / Page | 001360 / 000152 |
| Instrument Date | Nov 02, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $170.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4762 E HOLLY GROVE RD THOMASVILLE NC 273608530, THOMASVILLE, NC 27360-8530 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified July 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 | $2,083.00 | $184,345 (-) Land $18,000 Building $166,345 | |
| 2023 | $2,083.00 | $184,345 Land $18,000 Building $166,345 | $184,345 Land $18,000 Building $166,345 |
Source: FEMA National Flood Hazard Layer as of May 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 at the parcel |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 147 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SALISBURY-ROWAN serves 46,156 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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