916 2nd St, Spencer, NC 28159 Property Records

Rowan County property record for 916 2nd St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,176 sqft · built 2023
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$238,000 (May 2024)
Tax Bill	$1,962 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`034 162`

Property Details

APN / Parcel Number

Primary APN	`034 162`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,176 sqft Living Area

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	916 2ND ST
City	SPENCER
State	NC
Zip	28159-1738
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT3 .17AC SOWERS GROVE
Legal Lot Number	3
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1023
Census Tract	50700

Owner

Source: Rowan County records, as of May 20, 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	916 2ND ST, SPENCER, NC 28159-1738
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2024 · Amount on Record
Deed Sale	May 29, 2024 · Amount on Record
Deed Book / Page	1442 / 962
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	May 15, 2026
Property Address	916 2ND ST, SPENCER, NC 28159-1738
Document Number	1483000217
Book / Page	1483 / 217
Instrument Date	May 11, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WESTCOR LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 2ND ST, SPENCER, NC 28159-1738

Mortgage

Document Number	1483000217,
Date	May 15, 2026
Book Page	1483/217

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

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	$1,962.00	$173,646 Land $28,000 Building $145,646
2023			$173,646 Land $28,000 Building $145,646

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 Policies	2 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Aug 2020 · river or lake flooding

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 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

Cell Coverage

5G and 4G LTE (outdoors only)

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