120 E Kerns St, Salisbury, NC 28146 Property Records

Rowan County property record for 120 E Kerns St, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,820 sqft · built 1989
Lot Size	0.43 acres (18,731 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2001)
Tax Bill	$2,559 (2025)
Deeds & Mortgages	Jul 2023 Transfer Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`609 078`

Property Details

APN / Parcel Number

Primary APN	`609 078`
Alternative APN	`6217869`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,820 sqft Living Area
1st Floor Area	1,820 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	18,731 sqft (0.43 acres)
Garage Area	572 sqft
Porch	Porch
Porch Area	18 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	120 E KERNS ST
City	SALISBURY
State	NC
Zip	28146-7311
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1:SINGLE
Legal Description	L35
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1031
Census Tract	51002

Owner

Source: Rowan County records, as of July 14, 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 E KERNS ST, SALISBURY, NC 28146-7311
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Intrafamily Transfer, Transfer
Dec 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 14, 2001 · Amount on Record
Deed Sale	Dec 14, 2001 · Amount on Record
Deed Book / Page	926 / 384
Last Transfer Date	Jul 13, 2023
Transfer Doc	0014260650
Record Updated	Sep 20, 2026

July 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Jul 19, 2023
Property Address	120 E KERNS ST, SALISBURY, NC 28146-7311
Document Number	0014260650
Book / Page	1426 / 650
Map Reference	PG 1941
Instrument Date	Jul 13, 2023
Transaction Type	Transfer
Record Updated	Aug 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 SPRUCE TRL, LENOX, MA 01240-2100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 E KERNS ST, SALISBURY, NC 28146-7311

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	120 E KERNS ST, SALISBURY, NC 28146-7311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE GUARANTY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 HAZEL GROVE LN, CROZET, VA 22932-1553

Mortgage

Document Number	0013190994
Date	Dec 11, 2018
Book Page	1319/0994

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 8, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,559.00	$250,922 (-) Land $28,500 Building $222,422
2023	$2,559.00 (+35.9%)	$250,922 (+43.22%) Land $28,500 Building $222,422	$250,922 (+43.22%) Land $28,500 Building $222,422
2022	$1,883.00	$175,197 Land $24,000 Building $151,197	$175,197 Land $24,000 Building $151,197

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	8 in force
Nearby Flood Claims	5 (2003–2010)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Jan 2010 · 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	0.02% annual chance
Exposure	None beyond ember reach

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)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon, Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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