109 Rugby Rd, Salisbury, NC 28144 Property Records

Rowan County property record for 109 Rugby Rd, Salisbury, NC 28144

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,642 sqft · built 1999
Lot Size	1.13 acres (49,223 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Mar 2023)
Tax Bill	$4,660 (2023)
Deeds & Mortgages	Mar 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`325E013`

Property Details

APN / Parcel Number

Primary APN	`325E013`
Alternative APN	`6280507`

Interior

Full Baths	3 Baths
Stories	2 Stories
Building Area	2,642 sqft Living Area
Gross Area	2,650 sqft
1st Floor Area	1,761 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2005
Exterior Material	Brick
Foundation Type	Footing
Lot Area	49,223 sqft (1.13 acres)
Garage Area	529 sqft
Porch	Porch
Porch Area	126 sqft
Deck Area	285 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	6280507
Street Address	109 RUGBY RD
City	SALISBURY
State	NC
Zip	28144-9489
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L206 1.13AC
Legal Subdivision	COUNTRY CLUB HILL
Legal Lot Number	206
Jurisdiction	ROWAN NC
Township / Civil Division	FRANKLIN
Census Block Group	1
Census Block	1015
Census Tract	51302

Owner

Source: Rowan County records, as of October 9, 2023

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	109 RUGBY RD, SALISBURY, NC 28144-9489
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 24, 2023 · Amount on Record
Deed Sale	Mar 24, 2023 · Amount on Record
Prior Sale	May 8, 2008 · Amount on Record
Deed Document Number	0001420424
Deed Book / Page	1420 / 424
Record Updated	Jun 7, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 24, 2023
Property Address	109 RUGBY RD, SALISBURY, NC 28144-9489
Document Number	0014200424
Book / Page	1420 / 424
Map Reference	PG 3315
Instrument Date	Feb 15, 2023
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$950.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	900 SHENANDOAH AVE, BLUEFIELD, WV 24701-4553

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 RUGBY RD, SALISBURY, NC 28144-9489

Mortgage

Document Number	0001420425
Date	Mar 24, 2023
Instrument	1420/425

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$4,660.00	$389,656 Land $45,000 Building $344,656	$389,656 Land $45,000 Building $344,656

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	5 in force
Nearby Flood Claims	4 (2008–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Aug 2020 · 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SALISBURY-ROWAN serves 46,156 people · EPA ID NC0180010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	13 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Oct 2022
Monitoring and Reporting	2 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	2,500 / 2,500
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20