120 Chapel Ct, Salisbury, NC 28147 Property Records

Rowan County property record for 120 Chapel Ct, Salisbury, NC 28147

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,519 sqft · built 1989
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jun 2026)
Tax Bill	$1,300 (2026)
Deeds & Mortgages	Mar 2023 Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`467 232`

Property Details

APN / Parcel Number

Primary APN	`467 232`
Alternative APN	`6277892`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,519 sqft Living Area
1st Floor Area	1,519 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Lot Area	22,651 sqft (0.52 acres)
Garage Area	529 sqft

Exterior Amenities

Porch	Porch
Porch Area	84 sqft
Deck Area	400 sqft
Shed	1 Shed
Shed Area	96 sqft
Canopy	220 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	120 CHAPEL CT
City	SALISBURY
State	NC
Zip	28147-9276
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	L28
Legal Subdivision	CHAPEL CREEK
Jurisdiction	ROWAN NC
Township / Civil Division	LOCKE
Census Block Group	4
Census Block	4013
Census Tract	51201

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	Individual Name on Record
Mailing Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Sep 25, 2019	Loan Modification, Mortgage · Conventional with PMI FREEDOM MTG
Apr 25, 2018	Deed of Trust, Mortgage · VA Mortgage LOW VA RATES LLC
May 19, 2017	Deed of Trust, Mortgage · VA Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	May 26, 2000 · Amount on Record
Deed Book / Page	1485 / 320
Record Updated	Oct 29, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHAPEL CT, SALISBURY, NC 28147-9276

Mortgage

Document Number	0014200631
Date	Mar 30, 2023
Book Page	1420/631

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	348 Months
Due	Mar 1, 2052

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 16, 2026
Property Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Document Number	1485000320
Book / Page	1485 / 320
Instrument Date	Jun 16, 2026
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$49,490.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Investor	Possibly a Property Investor

Mortgage

Document Number	1485000321,
Date	Jun 16, 2026
Book Page	1485/321

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	1485000322,
Date	Jun 16, 2026
Book Page	1485/322

Lender

Agreement

Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROWAN NC
Property Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Document Number	0013370259
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 CHAPEL CT SALISBURY NC 281479276, SALISBURY, NC 28147-9276

Mortgage

Document Number	0013370259
Date	Oct 31, 2019
Book Page	001337/000259

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

Interest

Rate Type	Fixed Rate
Rate	3.75%

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Document Number	0013080106
Instrument Date	Apr 25, 2018
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 CHAPEL CT SALISBURY NC 281479276, SALISBURY, NC 28147-9276

Mortgage

Document Number	0013080106
Date	Apr 26, 2018
Book Page	001308/000106

Lender

Name	LOW VA RATES LLC
Address	LINDON, UT 84042

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2048

Interest

Rate Type	Adjustable Rate
Rate	2.99%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	120 CHAPEL CT, SALISBURY, NC 28147-9276
Document Number	0012900327
Instrument Date	May 19, 2017
Transaction Type	Mortgage
Record Updated	Aug 20, 2018
Title Company	TRANSTAR NATIONAL TITLE, TRANSTAR NAT'L TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	120 CHAPEL CT SALISBURY NC 281479276, SALISBURY, NC 28147-9276

Mortgage

Document Number	0012900327
Date	May 24, 2017
Book Page	001290/000327

Lender

Name	PEOPLES BK
Type	Bank
Address	OVERLAND PARK, KS 66213

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 23, 2047

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	$1,300.00	$191,890 (-) Land $32,500 Building $159,390	$191,890 (-) Land $32,500 Building $159,390
2025	$1,300.00	$191,890 (-) Land $32,500 Building $159,390
2023	$1,300.00	$191,890 Land $32,500 Building $159,390	$191,890 Land $32,500 Building $159,390

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

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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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