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Single Family ResidenceResidential
$228,830$163 / 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 Aug 30, 2026
Last sold for $226,000 on Nov 25, 2025

406 4TH ST

SPENCER, NC 28159
3
Beds
2
Baths
1,401 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.
0.13 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$229K
$185K low$273K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$226,000 · Nov 25, 2025

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,856 (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.$164,254 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$17,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$147,154
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$112,104
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$164,254

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.8
1
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.
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.minimal

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.2015
Lot (acres)The size of the land the home sits on, from county records.0.13
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
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 240 ft²

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.

H
North Rowan High SchoolD-
High · Grades 9–12 · 0.5 mi
M
North Rowan Middle SchoolD
Middle · Grades 6–8 · 0.8 mi
E
North Rowan Elementary SchoolF
Elementary · Grades PK–5 · 0.8 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

406 4th 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 79% of homes in Spencer 28159
  • Smaller than 65% of homes in Rowan County
  • Has a smaller lot than 97% of homes in Spencer 28159
  • Older than 75% 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
$61K$603K

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$228,830
CheaperTypical $179,952Pricier

Pricier than 74% of homes nearby

Price per ft²$163
CheaperTypical $122Pricier

Pricier than 79% of homes nearby

Living area1,401 ft²
SmallerTypical 1,495 ft²Bigger

Bigger than 42% of homes nearby

Lot size0.13 ac
SmallerTypical 0.29 acBigger

Bigger than 3% of homes nearby

Year built1955
OlderTypical 1950Newer

Newer than 57% of homes nearby

How 406 4th St ranks against every home in each area.
MeasureThis homeSpencer 28159Rowan County
Estimated valuepricier than$228,83074% of homes43% of homes
Price per ft²pricier than$16379% of homes48% of homes
Living areabigger than1,401 ft²42% of homes35% of homes
Lot sizebigger than0.13 ac3% of homes3% of homes
Year builtnewer than195557% of homes25% of homes

About 406 4th St

How much is 406 4th St, Spencer, NC worth?

The TopHap Estimate for 406 4th St, Spencer, NC is $228,830 as of Aug 30, 2026. The likely range is $184,906 to $272,754. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 406 4th St, Spencer, NC last sell?

406 4th St, Spencer, NC last sold on Nov 25, 2025 for $226,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 406 4th St, Spencer, NC?

406 4th St, Spencer, NC has 3 bedrooms, 2 bathrooms, 1,401 square feet of living space and a 0.13-acre lot.

When was 406 4th St, Spencer, NC built?

406 4th St, Spencer, NC was built in 1955, making it 71 years old. The building has 1 story.

What schools serve 406 4th St, Spencer, NC?

406 4th St, Spencer, NC is assigned to North Rowan High School (high), rated D-; North Rowan Middle School (middle), rated D; 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 406 4th 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 ($228,830 against a typical $179,952), its price per square foot is higher than 79% of them ($163 against a typical $122), it is bigger than 42% of them (1,401 ft² against a typical 1,495 ft²), its lot is bigger than 3% of them (0.13 ac against a typical 0.29 ac) and it is newer than 57% of them (1955 against a typical 1950). Measured against all of Rowan County, it is worth more than 43% 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 406 4th St, Spencer, NC?

The 2026 property tax bill for 406 4th St, Spencer, NC was $1,856. The county assessed it at $164,254.

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