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Single Family ResidenceResidential
$232,172$188 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 87How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026
Last sold for $211,500 on Feb 21, 2023

1005 CHARLES ST

SPENCER, NC 28159
2
Baths
1,232 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.14 ac
Lot SizeThe size of the land the home sits on, from county records.
2022
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$232K
$201K low$263K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$211,500 · Feb 21, 2023

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,177 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$192,630 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$28,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$164,630
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$192,630
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$192,630

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.27
98
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
25
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.165 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyROWAN
Lot (acres)The size of the land the home sits on, from county records.0.14
HeatingThe type of heating system in the home.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

M
North Rowan Middle SchoolF
Middle · Grades 6–8 · 0.3 mi
H
North Rowan High SchoolF
High · Grades 9–12 · 0.3 mi
E
North Rowan Elementary SchoolF
Elementary · Grades PK–5 · 0.4 mi

District: Rowan-Salisbury Schools

Neighborhood · ZIP 28159These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.122
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.85
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.58

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.89%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.21%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.14%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.2,713
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,228 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$63,300
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$85,241
Average tempThe average temperature here across a full year.59°F
Annual precipHow much rain and melted snow falls here in a typical year.44 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.60%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

1005 Charles St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 74% of homes in Spencer 28159
  • Costs more per square foot than 89% of homes in Spencer 28159
  • Smaller than 77% of homes in Rowan County
  • Has a smaller lot than 97% of homes in Spencer 28159
  • Newer than 96% of homes in Spencer 28159

What homes are worth in Spencer 28159

Each bar is how many homes fall in that price range. The marker is this home.

This home
$65K$581K

This home is worth more than 74% of homes in Spencer 28159.

How it measures up in Spencer 28159

The dot is this home. The mark in the middle is the typical home in Spencer 28159.

Estimated value$232,172
CheaperTypical $181,770Pricier

Pricier than 74% of homes nearby

Price per ft²$188
CheaperTypical $123Pricier

Pricier than 89% of homes nearby

Living area1,232 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 26% of homes nearby

Lot size0.14 ac
SmallerTypical 0.29 acBigger

Bigger than 3% of homes nearby

Year built2022
OlderTypical 1950Newer

Newer than 96% of homes nearby

How 1005 Charles St ranks against every home in each area.
MeasureThis homeSpencer 28159Rowan County
Estimated valuepricier than$232,17274% of homes45% of homes
Price per ft²pricier than$18889% of homes67% of homes
Living areabigger than1,232 ft²26% of homes23% of homes
Lot sizebigger than0.14 ac3% of homes3% of homes
Year builtnewer than202296% of homes95% of homes

About 1005 Charles St

How much is 1005 Charles St, Spencer, NC worth?

The TopHap Estimate for 1005 Charles St, Spencer, NC is $232,172 as of Oct 21, 2026. The likely range is $200,874 to $263,470. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 1005 Charles St, Spencer, NC last sell?

1005 Charles St, Spencer, NC last sold on Feb 21, 2023 for $211,500, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 1005 Charles St, Spencer, NC?

1005 Charles St, Spencer, NC has 2 bathrooms, 1,232 square feet of living space and a 0.14-acre lot.

When was 1005 Charles St, Spencer, NC built?

1005 Charles St, Spencer, NC was built in 2022, making it 4 years old. The building has 1 story.

What schools serve 1005 Charles St, Spencer, NC?

1005 Charles St, Spencer, NC is assigned to North Rowan Middle School (middle), rated F; North Rowan High School (high), rated F; North Rowan Elementary School (elementary), rated F. All sit in Rowan-Salisbury Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 1005 Charles St, Spencer, NC compare to other homes in Spencer 28159?

Among the 1,258 homes in Spencer 28159, it is worth more than 74% of them ($232,172 against a typical $181,770), its price per square foot is higher than 89% of them ($188 against a typical $123), it is bigger than 26% of them (1,232 ft² against a typical 1,492 ft²), its lot is bigger than 3% of them (0.14 ac against a typical 0.29 ac) and it is newer than 96% of them (2022 against a typical 1950). Measured against all of Rowan County, it is worth more than 45% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 1005 Charles St, Spencer, NC?

The 2026 property tax bill for 1005 Charles St, Spencer, NC was $2,177. The county assessed it at $192,630.

More homes on Charles St

Closest homes

More homes in Spencer 28159

Assigned schools

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