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Single Family ResidenceResidential
$249,386$186 / 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 89How 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

705 CHARLES ST

SPENCER, NC 28159
2
Baths
1,340 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.
0.71 ac
Lot SizeThe size of the land the home sits on, from county records.
2006
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
Pre-foreclosure (NOD)A foreclosure notice on this home is currently active. Many are worked out before any auction happens.
A foreclosure-related notice has been recorded for this property.

Valuation

$249K
$223K low$276K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$2,830 (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.$250,468 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$29,700
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$220,768
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$250,468
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$250,468

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.21
69
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.39 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
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.2010
Lot (acres)The size of the land the home sits on, from county records.0.71
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 · 96 ft²Porch · 80 ft²

Transaction History(5)

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

Foreclosure Filings(1)

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 SchoolD
Middle · Grades 6–8 · 0.1 mi
E
North Rowan Elementary SchoolF
Elementary · Grades PK–5 · 0.2 mi
H
North Rowan High SchoolD-
High · Grades 9–12 · 0.3 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%

Owner Tools

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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

705 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 81% of homes in Spencer 28159
  • Costs more per square foot than 89% of homes in Spencer 28159
  • Smaller than 70% of homes in Rowan County
  • Has a bigger lot than 92% of homes in Spencer 28159
  • Newer than 91% 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
$61K$606K

This home is worth more than 81% 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$249,386
CheaperTypical $181,038Pricier

Pricier than 81% of homes nearby

Price per ft²$186
CheaperTypical $122Pricier

Pricier than 89% of homes nearby

Living area1,340 ft²
SmallerTypical 1,492 ft²Bigger

Bigger than 36% of homes nearby

Lot size0.71 ac
SmallerTypical 0.29 acBigger

Bigger than 92% of homes nearby

Year built2006
OlderTypical 1950Newer

Newer than 91% of homes nearby

How 705 Charles St ranks against every home in each area.
MeasureThis homeSpencer 28159Rowan County
Estimated valuepricier than$249,38681% of homes49% of homes
Price per ft²pricier than$18689% of homes63% of homes
Living areabigger than1,340 ft²36% of homes30% of homes
Lot sizebigger than0.71 ac92% of homes53% of homes
Year builtnewer than200691% of homes84% of homes

About 705 Charles St

How much is 705 Charles St, Spencer, NC worth?

The TopHap Estimate for 705 Charles St, Spencer, NC is $249,386 as of Aug 30, 2026. The likely range is $222,678 to $276,094. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 705 Charles St, Spencer, NC last sell?

705 Charles St, Spencer, NC last sold on Jun 3, 2008, according to the county's recorded deed.

How big is 705 Charles St, Spencer, NC?

705 Charles St, Spencer, NC has 2 bathrooms, 1,340 square feet of living space and a 0.71-acre lot.

When was 705 Charles St, Spencer, NC built?

705 Charles St, Spencer, NC was built in 2006, making it 20 years old. The building has 1 story.

What schools serve 705 Charles St, Spencer, NC?

705 Charles St, Spencer, NC is assigned to North Rowan Middle School (middle), rated D; North Rowan Elementary School (elementary), rated F; 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 705 Charles St, Spencer, NC compare to other homes in Spencer 28159?

Among the 1,258 homes in Spencer 28159, it is worth more than 81% of them ($249,386 against a typical $181,038), its price per square foot is higher than 89% of them ($186 against a typical $122), it is bigger than 36% of them (1,340 ft² against a typical 1,492 ft²), its lot is bigger than 92% of them (0.71 ac against a typical 0.29 ac) and it is newer than 91% of them (2006 against a typical 1950). Measured against all of Rowan County, it is worth more than 49% 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 705 Charles St, Spencer, NC?

The 2026 property tax bill for 705 Charles St, Spencer, NC was $2,830. The county assessed it at $250,468.

More homes on Charles St

Closest homes

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Assigned schools

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