900 S Rowan Ave, Spencer, NC 28159 Property Records

Rowan County property record for 900 S Rowan Ave, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	1 ba · 930 sqft · built 1947
Lot Size	0.37 acres (16,128 sqft)
Owner	Individual Name on File
Last Sale	$70,000 (Aug 2019)
Tax Bill	$1,007 (2026)
Deeds & Mortgages	Aug 2019 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`031 095`

Property Details

APN / Parcel Number

Primary APN	`031 095`
Alternative APN	`6319529`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	930 sqft Living Area
1st Floor Area	930 sqft
Basement Area	465 sqft
Unfinished Basement	465 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Lot Area	16,128 sqft (0.37 acres)
Lot Dimensions	144 ft deep x 112 ft wide
Porch	Porch
Porch Area	136 sqft
Deck Area	162 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	900 S ROWAN AVE
City	SPENCER
State	NC
Zip	28159-2010
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L17-18 & PT16 BLK 83 HENDERSON & VANDERFORD
Legal Subdivision	HENDERSON AND VANDERFORD ADDITION
Legal Block	83
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	4
Census Block	4036
Census Tract	50700

Owner

900 S Rowan Ave is owned and occupied by an individual who bought it in August 2019.

Source: Rowan County records, as of August 25, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	900 S ROWAN AVE, SPENCER, NC 28159-2010
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2019	Deed of Trust, Mortgage · FHA Mortgage ENVOY MTG
Aug 30, 2019	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Jan 4, 2017	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2019 · Amount on File
Deed Sale	Aug 30, 2019 · Amount on File
Prior Sale	Aug 30, 2013 · Amount on File
Deed Book / Page	1333 / 772
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	900 S ROWAN AVE, SPENCER, NC 28159-2010
Document Number	0013380500
Instrument Date	Aug 30, 2019
Transaction Type	Mortgage
Record Updated	Dec 4, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 S ROWAN AVE SPENCER NC 281592010, SPENCER, NC 28159-2010

Mortgage

Document Number	0013380500
Date	Nov 21, 2019
Book Page	001338/000500

Lender

Name	ENVOY MTG
Type	Mortgage Company
Address	HOUSTON, TX 77043

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 30, 2019
Property Address	900 S ROWAN AVE, SPENCER, NC 28159-2010
Document Number	0013330772
Book / Page	1333 / 0772
Instrument Date	Aug 29, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	726 WILEY AVE, 726, SALISBURY, NC 28144-6234

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 S ROWAN AVE, SPENCER, NC 28159-2010

Mortgage

Document Number	13330773
Date	Aug 30, 2019
Instrument	1333/0773

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Mortgage

Document Number	0013330774
Date	Aug 30, 2019
Book Page	1333/0774

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 29, 2034

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	900 S ROWAN AVE, SPENCER, NC 28159-2010
Document Number	0012820956
Instrument Date	Jan 4, 2017
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	900 S ROWAN AVE SPENCER NC 281592010, SPENCER, NC 28159-2010

Mortgage

Document Number	0012820956
Date	Jan 9, 2017
Book Page	001282/000956

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 8, 2037

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

The 2026 property tax bill for 900 S Rowan Ave was $1,007.

Source: Rowan County assessment roll, as of August 25, 2026

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
2026	$1,007.00	$89,201 Land $22,500 Building $66,701	$89,201 Land $22,500 Building $66,701
2023	$1,007.00	$89,201 Land $22,500 Building $66,701	$89,201 Land $22,500 Building $66,701

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

Flood

FEMA maps place 900 S Rowan Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 900 S Rowan Ave is low, with a 0.02% 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	0.02% 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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