Rowan County property record for 12 Oak Rd, Salisbury, NC 28144
| Property Type | Single Family Home |
|---|---|
| Details | 3 ba · 3,120 sqft · built 1946 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Apr 2016) |
| Tax Bill | $5,655 (2026) |
| Deeds & Mortgages | Sep 2020 Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 040 048 |
| Primary APN | 040 048 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,120 sqft Living Area |
| 1st Floor Area | 1,642 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 20,909 sqft (0.48 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Porch | Porch |
| Porch Area | 607 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 12 OAK RD |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28144-6910 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L12 BLK F CLUB DEVELOPMENT |
| Legal Subdivision | THE CLUB DEVELOPMENT COMPANY |
| Legal Block | F |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 50500 |
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 | 12 OAK RD, SALISBURY, NC 28144-6910 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Sep 23, 2020 | Deed of Trust, Mortgage · Conventional with PMI FARMERS & MERCHANTS NAT'L BK |
| Jan 30, 2018 | Deed of Trust, Mortgage FARMERS & MERCHANTS NAT'L BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 29, 2016 · Amount on Record |
| Deed Sale | Apr 29, 2016 · Amount on Record |
| Prior Sale | Aug 1, 2015 |
| Deed Book / Page | 1269 / 558 |
| Prior Transfer Date | Apr 25, 2016 |
| Prior Transfer Doc | 0012690559 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 12 OAK RD, SALISBURY, NC 28144-6910 |
| Document Number | 0013570709 |
| Instrument Date | Sep 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 12 OAK RD SALISBURY NC 281446910, SALISBURY, NC 28144-6910 |
| Document Number | 0013570709 |
|---|---|
| Date | Sep 30, 2020 |
| Book Page | 001357/000709 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 12 OAK RD, SALISBURY, NC 28144-6910 |
| Document Number | 0013030753 |
| Instrument Date | Jan 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 12 OAK RD SALISBURY NC 281446910, SALISBURY, NC 28144-6910 |
| Document Number | 0013030753 |
|---|---|
| Date | Feb 5, 2018 |
| Book Page | 001303/000753 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 4, 2048 |
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Salisbury City |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,655.00 | $472,839 (-) Land $175,000 Building $297,839 | $472,839 (-) Land $175,000 Building $297,839 |
| 2025 | $5,655.00 (+51.04%) | $472,839 (+51.03%) Land $175,000 Building $297,839 | |
| 2023 | $3,744.00 | $313,073 Land $175,000 Building $138,073 | $472,839 Land $175,000 Building $297,839 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 4 (1983–2020) |
| Claims Outside the SFHA | 3 of 4 |
| Most Recent Claim | Feb 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
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