503 4th St, Spencer, NC, 28159
About This Home
Step into timeless Southern charm with this beautifully historic home, circa 1905, located in the heart of Spencer. From the moment you arrive, the inviting wrap-around porch—complete with a porch swing—sets the tone for the character found throughout. This home offers five bedrooms with generously sized rooms throughout the home... providing the perfect backdrop for gatherings, traditions, and lasting memories. Outdoors, enjoy a spacious rear deck overlooking a fully fenced yard, complete with a large powered storage shed. An exterior entrance to the unfinished basement offers convenient storage for tools, gardening equipment, or hobby space. Perfectly positioned near Spencer Library Park, local dining, and the NC Transportation Museum, this home blends historic character with everyday convenience and has even been featured twice on the Spencer Christmas Home Tour.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1905
Materials
- Foundation: Crawl Space
- Construction materials: Aluminum,Vinyl
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Oven
- Laundry features: Electric Dryer Hookup
Bathroom Full
- Level: Main
Bathroom Full
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedroom S
- Level: Upper
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 2
- Full bathrooms: 2
- Main level bedrooms: 1
Breakfast
- Level: Main
Dining Room
- Level: Main
Features
- Finished area below ground: 0
- Finished area above ground: 2,705
Heating & Cooling
- Heating features: Heat Pump
- Cooling features: Central Air
Interior Area
- Total structure area: 2,705
- Total interior livable area: 2,705 sqft
Laundry
- Level: Main
Living Room
- Level: Main
Office
- Level: Main
Primary Bedroom
- Level: Main
Property
Details
- Parcel number: 033241
- Zoning: Historic
- Special condition: Standard
- Exclusions: cameras do not convey
Features
- Levels: Two
- Stories: 2
Lot
- Lot size: 0.21 Acres
Parking
- Parking features: Parking Space(s)
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Ice Storm
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Rowan County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,693 | $20,316 |
| Home Insurance * | $207 | $2,484 |
| Property Taxes | $335 | $4,020 |
| Electricity | $251 | $3,023 |
| Total | $2,486 | $29,832 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-04-13 | Price change | $350,000 |
| 2025-12-20 | Listed for sale | $360,000 |
| 2021-07-14 | Sold | $225,000 |
| 2021-06-02 | Contingent | $225,000 |
| 2021-05-29 | Listed for sale | $225,000 |
| 2021-03-29 | Contingent | $225,000 |
| 2021-03-25 | Listed for sale | $225,000 |
| 2021-03-15 | Contingent | $225,000 |
| 2021-03-11 | Listed for sale | $225,000 |
| 2017-08-01 | Sold | $138,000 |
| 2011-02-16 | Sold | $54,900 |
| 2008-12-12 | Sold | $45,000 |
| 2007-09-21 | Sold | $115,264 |
| 2005-05-11 | Sold | $118,000 |
For Sale by Agent
View on Zillow