109 Middle Oaks Dr, Salisbury, NC 28146 Property Records

Rowan County property record for 109 Middle Oaks Dr, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,737 sqft · built 1995
Lot Size	1.52 acres (66,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Mar 2024)
Tax Bill	$1,886 (2026)
Deeds & Mortgages	Mar 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`606 052`

Property Details

APN / Parcel Number

Primary APN	`606 052`
Alternative APN	`6315308`

Interior

Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	1,737 sqft Living Area
1st Floor Area	1,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2010
Exterior Material	Brick
Lot Area	66,211 sqft (1.52 acres)
Garage Area	546 sqft
Porch	Porch
Porch Area	216 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	109 MIDDLE OAKS DR
City	SALISBURY
State	NC
Zip	28146-8420
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L6 1.52AC
Legal Subdivision	PROPERTY SURVEY FOR RONALD W BANKETT
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1002
Census Tract	50901

Owner

Source: Rowan County records, as of August 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	109 MIDDLE OAKS DR, SALISBURY, NC 28146-8420
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2024 · Amount on Record
Deed Sale	Mar 20, 2024 · Amount on Record
Prior Sale	Aug 15, 2011 · Amount on Record
Deed Book / Page	1439 / 87
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 20, 2024
Property Address	109 MIDDLE OAKS DR, SALISBURY, NC 28146-8420
Document Number	0014390087
Book / Page	1439 / 87
Instrument Date	Mar 19, 2024
Transaction Type	Transfer
Record Updated	Apr 3, 2024

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$820.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14301 SMOUSES MILL RD NE, CUMBERLAND, MD 21502-6713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 MIDDLE OAKS DR, SALISBURY, NC 28146-8420

Mortgage

Document Number	0000143988
Date	Mar 20, 2024
Instrument	1439/88

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,886.00	$282,571 (-) Land $35,000 Building $247,571	$282,571 (-) Land $35,000 Building $247,571
2023	$1,886.00	$282,571 Land $35,000 Building $247,571	$282,571 Land $35,000 Building $247,571

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2003 · rainfall accumulation

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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