995 Charles St, Spencer, NC 28159 Property Records

Rowan County property record for 995 Charles St, Spencer, NC 28159

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,232 sqft · built 2022
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,345 (2026)
Deeds & Mortgages	May 2024 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`034 160`

Property Details

APN / Parcel Number

Primary APN	`034 160`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,232 sqft Living Area

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Lot Area	5,227 sqft (0.12 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	995 CHARLES ST
City	SPENCER
State	NC
Zip	28159-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1B .12AC
Legal Subdivision	B CONTAINING 0
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1023
Census Tract	50700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	995 CHARLES ST, SPENCER, NC 28159-1711
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2024	Deed of Trust, Mortgage · FHA Mortgage LOANCARE LLC
Dec 8, 2022	Deed of Trust, Mortgage · Commercial Mortgage KIAVI FUNDING INC
Feb 23, 2023	Warranty Deed, Transfer · FHA Mortgage NORTHPOINTE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	995 CHARLES ST, SPENCER, NC 28159-1711
Transaction Type	Mortgage
Record Updated	May 15, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 CHARLES ST, SPENCER, NC 28159-1711

Mortgage

Document Number	0014410541
Date	May 2, 2024
Book Page	1441/541

Lender

Name	LOANCARE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23453

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Mar 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	995 CHARLES ST, SPENCER, NC 28159-1711
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	693 YVONNE DR SW, CONCORD, NC 28027-3918

Mortgage

Document Number	0014140948
Date	Dec 8, 2022
Book Page	1414/948

Lender

Name	KIAVI FUNDING INC
Type	Mortgage Company
Address	GREENSBORO, NC 27408

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 23, 2023
Property Address	995 CHARLES ST, SPENCER, NC 28159-1711
Document Number	0014180672
Book / Page	1418 / 672
Map Reference	MB 9995 PG 9703
Instrument Date	Feb 23, 2023
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	693 YVONNE DR SW, CONCORD, NC 28027-3918

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	995 CHARLES ST, SPENCER, NC 28159-1711

Mortgage

Document Number	0001418673
Date	Feb 23, 2023
Instrument	1418/673

Lender

Name	NORTHPOINTE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

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	$2,345.00	$207,596 (-) Land $28,000 Building $179,596	$207,596 (-) Land $28,000 Building $179,596
2023	$2,345.00	$207,596 Land $28,000 Building $179,596	$207,596 Land $28,000 Building $179,596

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 100 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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