1145 Joy St, Salisbury, NC 28147 Property Records

Rowan County property record for 1145 Joy St, Salisbury, NC 28147

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,421 sqft · built 1978
Lot Size	0.62 acres (27,007 sqft)
Owner	Individual Name on File
Tax Bill	$1,380 (2026)
Deeds & Mortgages	Feb 2022 Mortgage May 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`467B113`

Property Details

APN / Parcel Number

Primary APN	`467B113`
Alternative APN	`6217935`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,421 sqft Living Area
1st Floor Area	1,421 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1999
Exterior Material	Brick
Lot Area	27,007 sqft (0.62 acres)
Garage Area	440 sqft

Exterior Amenities

Porch	Porch
Porch Area	124 sqft
Patio Area	267 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1145 JOY ST
City	SALISBURY
State	NC
Zip	28147-9293
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	L39&PT38
Legal Subdivision	KLUTTZ ACRES SUBDIVISION
Jurisdiction	ROWAN NC
Township / Civil Division	LOCKE
Census Block Group	4
Census Block	4004
Census Tract	51201

Owner

1145 Joy St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1145 JOY ST, SALISBURY, NC 28147-9293
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 15, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 7, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 12, 2018	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 20, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Aug 11, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1145 JOY ST, SALISBURY, NC 28147-9293
Transaction Type	Mortgage
Record Updated	Feb 23, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013950225
Date	Feb 15, 2022
Book Page	1395/225

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1145 JOY ST, SALISBURY, NC 28147-9293
Transaction Type	Mortgage
Record Updated	Jun 2, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013740536
Date	May 7, 2021
Book Page	1374/536

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1145 JOY ST, SALISBURY, NC 28147-9293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013170220
Date	Oct 12, 2018
Book Page	1317/0220

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1145 JOY ST, SALISBURY, NC 28147-9293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013380357
Date	Nov 20, 2019
Book Page	1338/0357

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Dec 1, 2048

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1145 JOY ST, SALISBURY, NC 28147-9293
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013540166
Date	Aug 11, 2020
Book Page	1354/166

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	341 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1145 Joy St was $1,380.

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	$1,380.00	$203,802 Land $60,000 Building $143,802	$203,802 Land $60,000 Building $143,802
2023	$1,380.00	$203,802 Land $60,000 Building $143,802	$203,802 Land $60,000 Building $143,802

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

Flood

FEMA maps place 1145 Joy St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1145 Joy St is low, with a 0.04% annual chance of 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 172 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

May also be available: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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