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Single Family ResidenceResidential
$188,097$125 / 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 81How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026
Last sold for $30,000 on Oct 12, 2004

314 N ROWAN AVE

SPENCER, NC 28159
1
Baths
1,510 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.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1920
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$188K
$152K low$224K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$30,000 · Oct 12, 2004
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$76,097
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$60,878
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.59%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$112,000
BANK OF NORTH CAROLINA · R · recorded Aug 20, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,293 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$114,424 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$96,924
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$114,424
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$114,424

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.15
35
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
16
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.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
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
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.1990
Lot (acres)The size of the land the home sits on, from county records.0.22
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
HeatingThe type of heating system in the home.Radiant
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 60 ft²Porch · 149 ft²

Transaction History(1)

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.

H
North Rowan High SchoolD-
High · Grades 9–12 · 0.2 mi
E
North Rowan Elementary SchoolF
Elementary · Grades PK–5 · 0.4 mi
M
North Rowan Middle SchoolD
Middle · Grades 6–8 · 0.5 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%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

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

314 N Rowan Ave 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 less than 69% of homes in Rowan County
  • Costs less per square foot than 78% of homes in Rowan County
  • Has a smaller lot than 88% of homes in Rowan County
  • Older than 95% of homes in Rowan County

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
$57K$634K

This home is worth more than 49% 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$188,097
CheaperTypical $190,283Pricier

Pricier than 49% of homes nearby

Price per ft²$125
CheaperTypical $126Pricier

Pricier than 49% of homes nearby

Living area1,510 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 52% of homes nearby

Lot size0.22 ac
SmallerTypical 0.29 acBigger

Bigger than 36% of homes nearby

Year built1920
OlderTypical 1947Newer

Newer than 28% of homes nearby

How 314 N Rowan Ave ranks against every home in each area.
MeasureThis homeSpencer 28159Rowan County
Estimated valuepricier than$188,09749% of homes31% of homes
Price per ft²pricier than$12549% of homes22% of homes
Living areabigger than1,510 ft²52% of homes44% of homes
Lot sizebigger than0.22 ac36% of homes12% of homes
Year builtnewer than192028% of homes5% of homes

About 314 N Rowan Ave

How much is 314 N Rowan Ave, Spencer, NC worth?

The TopHap Estimate for 314 N Rowan Ave, Spencer, NC is $188,097 as of Jul 14, 2026. The likely range is $151,714 to $224,480. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 314 N Rowan Ave, Spencer, NC last sell?

314 N Rowan Ave, Spencer, NC last sold on Oct 12, 2004 for $30,000, according to the county's recorded deed.

How big is 314 N Rowan Ave, Spencer, NC?

314 N Rowan Ave, Spencer, NC has 1 bathrooms, 1,510 square feet of living space and a 0.22-acre lot.

When was 314 N Rowan Ave, Spencer, NC built?

314 N Rowan Ave, Spencer, NC was built in 1920, making it 106 years old. The building has 1 story.

What schools serve 314 N Rowan Ave, Spencer, NC?

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

How does 314 N Rowan Ave, Spencer, NC compare to other homes in Spencer 28159?

Among the 1,243 homes in Spencer 28159, it is worth more than 49% of them ($188,097 against a typical $190,283), its price per square foot is higher than 49% of them ($125 against a typical $126), it is bigger than 52% of them (1,510 ft² against a typical 1,492 ft²), its lot is bigger than 36% of them (0.22 ac against a typical 0.29 ac) and it is newer than 28% of them (1920 against a typical 1947). Measured against all of Rowan County, it is worth more than 31% 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 314 N Rowan Ave, Spencer, NC?

The 2025 property tax bill for 314 N Rowan Ave, Spencer, NC was $1,293. The county assessed it at $114,424.

Closest homes

More homes in Spencer 28159

Assigned schools

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