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Single Family ResidenceResidential
$360,381$136 / 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 91How 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 $240,000 on Apr 22, 2020

643 SPENCER LN

KANNAPOLIS, NC 28081
2.5
Baths
2,654 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.
0.11 ac
Lot SizeThe size of the land the home sits on, from county records.
2020
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$360K
$330K low$391K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$240,000 · Apr 22, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$5,015 (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.$414,434 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$42,500
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$371,934
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$414,434
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$414,434

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.30
73
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
12
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
68
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.50 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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
Lot (acres)The size of the land the home sits on, from county records.0.11
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(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.

E
Woodrow Wilson Elementary SchoolC
Elementary · Grades KG–5 · 0.9 mi
H
A. L. Brown High SchoolD
High · Grades 9–12 · 1.6 mi
M
Kannapolis Middle SchoolD-
Middle · Grades 6–8 · 3.7 mi

District: Kannapolis City Schools

Neighborhood · ZIP 28081These 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.113
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.88
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.65

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.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.10%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.30,289
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.971 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$72,913
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,642
Average tempThe average temperature here across a full year.60°F
Annual precipHow much rain and melted snow falls here in a typical year.47 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.62%

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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

643 Spencer Ln 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 76% of homes in Rowan County
  • Costs less per square foot than 86% of homes in Kannapolis 28081
  • Bigger than 90% of homes in Kannapolis 28081
  • Has a smaller lot than 98% of homes in Rowan County
  • Newer than 93% of homes in Rowan County

What homes are worth in Kannapolis 28081

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

This home
$81K$812K

This home is worth more than 72% of homes in Kannapolis 28081.

How it measures up in Kannapolis 28081

The dot is this home. The mark in the middle is the typical home in Kannapolis 28081.

Estimated value$360,381
CheaperTypical $275,450Pricier

Pricier than 72% of homes nearby

Price per ft²$136
CheaperTypical $184Pricier

Pricier than 14% of homes nearby

Living area2,654 ft²
SmallerTypical 1,516 ft²Bigger

Bigger than 90% of homes nearby

Lot size0.11 ac
SmallerTypical 0.34 acBigger

Bigger than 6% of homes nearby

Year built2020
OlderTypical 1981Newer

Newer than 89% of homes nearby

How 643 Spencer Ln ranks against every home in each area.
MeasureThis homeKannapolis 28081Rowan County
Estimated valuepricier than$360,38172% of homes76% of homes
Price per ft²pricier than$13614% of homes29% of homes
Living areabigger than2,654 ft²90% of homes90% of homes
Lot sizebigger than0.11 ac6% of homes2% of homes
Year builtnewer than202089% of homes93% of homes

About 643 Spencer Ln

How much is 643 Spencer Ln, Kannapolis, NC worth?

The TopHap Estimate for 643 Spencer Ln, Kannapolis, NC is $360,381 as of Aug 30, 2026. The likely range is $329,587 to $391,175. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 643 Spencer Ln, Kannapolis, NC last sell?

643 Spencer Ln, Kannapolis, NC last sold on Apr 22, 2020 for $240,000, according to the county's recorded deed.

How big is 643 Spencer Ln, Kannapolis, NC?

643 Spencer Ln, Kannapolis, NC has 2.5 bathrooms, 2,654 square feet of living space and a 0.11-acre lot.

When was 643 Spencer Ln, Kannapolis, NC built?

643 Spencer Ln, Kannapolis, NC was built in 2020, making it 6 years old. The building has 2 stories.

What schools serve 643 Spencer Ln, Kannapolis, NC?

643 Spencer Ln, Kannapolis, NC is assigned to Woodrow Wilson Elementary School (elementary), rated C; A. L. Brown High School (high), rated D; Kannapolis Middle School (middle), rated D-. All sit in Kannapolis City Schools. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 643 Spencer Ln, Kannapolis, NC compare to other homes in Kannapolis 28081?

Among the 11,387 homes in Kannapolis 28081, it is worth more than 72% of them ($360,381 against a typical $275,450), its price per square foot is higher than 14% of them ($136 against a typical $184), it is bigger than 90% of them (2,654 ft² against a typical 1,516 ft²), its lot is bigger than 6% of them (0.11 ac against a typical 0.34 ac) and it is newer than 89% of them (2020 against a typical 1981). Measured against all of Rowan County, it is worth more than 76% 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 643 Spencer Ln, Kannapolis, NC?

The 2026 property tax bill for 643 Spencer Ln, Kannapolis, NC was $5,015. The county assessed it at $414,434.

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