815 5th St, Spencer, NC 28159 Property Records

Rowan County property record for 815 5th St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 960 sqft · built 1951
Lot Size	0.2 acres (8,700 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Feb 2026)
Tax Bill	$1,408 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`033 113`

Property Details

APN / Parcel Number

Primary APN	`033 113`
Alternative APN	`240422000`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft
Unfinished Basement	960 sqft

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2005
Exterior Material	Aluminum/Vinyl
Lot Area	8,700 sqft (0.2 acres)
Lot Dimensions	145 ft deep x 60 ft wide
Porch	Porch
Porch Area	184 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	815 5TH ST
City	SPENCER
State	NC
Zip	28159-1521
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L8 BLK 34 ELIZABETH B. HENDERSON & MARY E. VANDERFORD
Legal Subdivision	HENDERSON - VANDERFORD PROPERTY
Legal Block	34
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3008
Census Tract	50700

Owner

Source: Rowan County records, as of April 6, 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 Record
Mailing Address	815 5TH ST, SPENCER, NC 28159-1521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2026	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
May 7, 2019	Warranty Deed, Transfer · FHA Mortgage VANDERBILT MORTGAGE & FINANCE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2026 · Amount on Record
Deed Sale	Feb 20, 2026 · Amount on Record
Prior Sale	May 7, 2019 · Amount on Record
Deed Document Number	2026
Deed Book / Page	1477 / 779
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 20, 2026
Property Address	815 5TH ST, SPENCER, NC 28159-1521
Document Number	0014770779
Book / Page	1477 / 779
Map Reference	MB OF PG 42
Instrument Date	Feb 19, 2026
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	219 EARNHARDT ST, SPENCER, NC 28159-2401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	815 5TH ST, SPENCER, NC 28159-1521

Mortgage

Document Number	0001477780
Date	Feb 20, 2026
Instrument	1477/780

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 7, 2019
Property Address	815 5TH ST, SPENCER, NC 28159-1521
Document Number	0013270210
Book / Page	001327 / 000210
Instrument Date	May 7, 2019
Transaction Type	Transfer
Record Updated	May 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$198.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	815 5TH ST SPENCER NC 281591521, SPENCER, NC 28159-1521

Mortgage

Document Number	13270211
Date	May 7, 2019
Book Page	001327/000211

Lender

Name	VANDERBILT MORTGAGE & FINANCE INC
Type	Bank
Address	ATLANTA, GA 30361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2049

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	$1,408.00	$124,629 (-) Land $18,000 Building $106,629
2023	$1,408.00	$124,629 Land $18,000 Building $106,629	$124,629 Land $18,000 Building $106,629

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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