Spencer Creek (Uwharrie River tributary)
Spencer Creek is a long 2nd order tributary to the Uwharrie River, in Montgomery County, North Carolina, United States. Course. Spencer Creek rises on the Dumas Creek divide about 4 miles northwest of Lovejoy in Montgomery County, North Carolina. Spencer Creek then flows southwest and curves northwest to meet the Uwharrie River about 1 mile north of Uwharrie. Watershed. Spencer Creek drains of area, receives about 47.8 in/year of precipitation, has a topographic wetness index of 347.87 and is about 88% forested.