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Single Family ResidenceResidential
$224,130$167 / 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 88How 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 $124,000 on Jul 23, 2004

515 CHARLES ST

SPENCER, NC 28159
2
Baths
1,341 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.
0.4 ac
Lot SizeThe size of the land the home sits on, from county records.
1977
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$224K
$196K low$252K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$124,000 · Jul 23, 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.$69,130
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$55,304
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.69%
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.$155,000
STATE EMPLOYEES CU · recorded Sep 13, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,198 (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.$194,555 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$26,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$168,055
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$194,555
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$194,555

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.2002
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.Heat Pump
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.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.Porch · 188 ft²

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

E
North Rowan Elementary SchoolF
Elementary · Grades PK–5 · 0.1 mi
M
North Rowan Middle SchoolD
Middle · Grades 6–8 · 0.2 mi
H
North Rowan High SchoolD-
High · Grades 9–12 · 0.2 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.Owner occupied
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

515 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 68% of homes in Spencer 28159
  • Costs more per square foot than 79% of homes in Spencer 28159
  • Smaller than 69% of homes in Rowan County
  • Has a smaller lot than 72% of homes in Rowan County
  • Newer than 76% 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
$57K$634K

This home is worth more than 68% 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$224,130
CheaperTypical $190,283Pricier

Pricier than 68% of homes nearby

Price per ft²$167
CheaperTypical $126Pricier

Pricier than 79% of homes nearby

Living area1,341 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.4 ac
SmallerTypical 0.29 acBigger

Bigger than 69% of homes nearby

Year built1977
OlderTypical 1947Newer

Newer than 76% of homes nearby

How 515 Charles St ranks against every home in each area.
MeasureThis homeSpencer 28159Rowan County
Estimated valuepricier than$224,13068% of homes41% of homes
Price per ft²pricier than$16779% of homes51% of homes
Living areabigger than1,341 ft²36% of homes31% of homes
Lot sizebigger than0.4 ac69% of homes28% of homes
Year builtnewer than197776% of homes45% of homes

About 515 Charles St

How much is 515 Charles St, Spencer, NC worth?

The TopHap Estimate for 515 Charles St, Spencer, NC is $224,130 as of Jul 14, 2026. The likely range is $196,437 to $251,823. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 515 Charles St, Spencer, NC last sell?

515 Charles St, Spencer, NC last sold on Jul 23, 2004 for $124,000, according to the county's recorded deed.

How big is 515 Charles St, Spencer, NC?

515 Charles St, Spencer, NC has 2 bathrooms and 1,341 square feet of living space.

When was 515 Charles St, Spencer, NC built?

515 Charles St, Spencer, NC was built in 1977, making it 49 years old. The building has 2 stories.

What schools serve 515 Charles St, Spencer, NC?

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

How does 515 Charles St, Spencer, NC compare to other homes in Spencer 28159?

Among the 1,243 homes in Spencer 28159, it is worth more than 68% of them ($224,130 against a typical $190,283), its price per square foot is higher than 79% of them ($167 against a typical $126), it is bigger than 36% of them (1,341 ft² against a typical 1,492 ft²), its lot is bigger than 69% of them (0.4 ac against a typical 0.29 ac) and it is newer than 76% of them (1977 against a typical 1947). Measured against all of Rowan County, it is worth more than 41% 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 515 Charles St, Spencer, NC?

The 2025 property tax bill for 515 Charles St, Spencer, NC was $2,198. The county assessed it at $194,555.

Closest homes

More homes in Spencer 28159

Assigned schools

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