907 5th St Ext, Spencer, NC 28159 Property Records

Rowan County property record for 907 5th St Ext, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1951
Lot Size	0.23 acres (9,900 sqft)
Owner	Individual Name on Record
Last Sale	$533,500 (Jan 2022)
Tax Bill	$2,451 (2026)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Sep 2021 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`033 077`

Property Details

APN / Parcel Number

Primary APN	`033 077`
Alternative APN	`240910000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,600 sqft Living Area
1st Floor Area	1,410 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1951
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Lot Area	9,900 sqft (0.23 acres)
Lot Dimensions	198 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	907 5TH STREET EXT
City	SPENCER
State	NC
Zip	28159-1523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8:SINGLE
Legal Description	L8 BLK 1 CHAS. B. JORDAN'S ADDT.
Legal Subdivision	PROPERTY OF CHARLES B JORDAN ADDITION
Legal Block	1
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3007
Census Tract	50700

Owner

Source: Rowan County records, as of October 14, 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	907 5TH STREET EXT, SPENCER, NC 28159-1523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERISAVE MORTGAGE CORP
Sep 24, 2021	Deed of Trust, Mortgage · Construction Mortgage CIVIC FINANCIAL SERVICES LLC
Jul 29, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 20, 2022 · Amount on Record
Deed Sale	Jan 20, 2022 · Amount on Record
Prior Sale	Jan 6, 2022 · Amount on Record
Deed Book / Page	1393 / 429
Last Transfer Date	Nov 1, 2023
Transfer Doc	1432000714
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 25, 2022
Property Address	907 5TH STREET EXT, SPENCER, NC 28159-1523
Document Number	0013960170
Book / Page	1396 / 170
Instrument Date	Feb 25, 2022
Transaction Type	Transfer
Record Updated	Mar 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	935 DREWRY ST NE, 935, ATLANTA, GA 30306-3822

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 5TH STREET EXT, SPENCER, NC 28159-1523

Mortgage

Document Number	0001396171
Date	Feb 25, 2022
Instrument	1396/171

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	907 5TH STREET EXT, SPENCER, NC 28159-1523
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013840908
Date	Sep 24, 2021
Book Page	1384/908

Lender

Name	CIVIC FINANCIAL SERVICES LLC
Type	Funding / Finance Company
Address	REDONDO BEACH, CA 90278

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Oct 1, 2022

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 29, 2021
Property Address	907 5TH STREET EXT, SPENCER, NC 28159-1523
Document Number	0013800617
Book / Page	1380 / 617
Instrument Date	Jul 29, 2021
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1960 HOLLYWOOD DR, 1960, SALISBURY, NC 28144-0528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	935 DREWRY ST NE, ATLANTA, GA 30306-3822

Tax Assessment & Valuation

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	$2,451.00	$216,946 (-) Land $18,000 Building $198,946	$216,946 (-) Land $18,000 Building $198,946
2023	$2,451.00	$216,946 Land $18,000 Building $198,946	$216,946 Land $18,000 Building $198,946

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	0.03% 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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