128 E Kerns St, Salisbury, NC 28146 Property Records

Rowan County property record for 128 E Kerns St, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,154 sqft · built 1990
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Oct 2019)
Tax Bill	$3,092 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`609 076`

Property Details

APN / Parcel Number

Primary APN	`609 076`
Alternative APN	`6281266`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,154 sqft Living Area
1st Floor Area	1,572 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	18,295 sqft (0.42 acres)
Garage Area	506 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	648 sqft
Porch	Porch
Porch Area	198 sqft
Deck Area	288 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	128 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	L33 JAMES E. MARHIS, SR.
Legal Subdivision	JAMES E MATHIS SR
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1031
Census Tract	51002

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	2 Individual Names on Record
Mailing Address	128 E KERNS ST, SALISBURY, NC 28146-7311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 11, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 18, 2019	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2019 · Amount on Record
Deed Sale	Oct 18, 2019 · Amount on Record
Prior Sale	May 29, 2015 · Amount on Record
Deed Book / Page	1336 / 537
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	128 E KERNS ST, SALISBURY, NC 28146-7311
Transaction Type	Mortgage
Record Updated	Apr 19, 2022
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013990525
Date	Apr 11, 2022
Book Page	1399/525

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	128 E KERNS ST, SALISBURY, NC 28146-7311
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013570042
Date	Sep 22, 2020
Book Page	1357/42

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Oct 18, 2019
Property Address	128 E KERNS ST, SALISBURY, NC 28146-7311
Document Number	0013360537
Book / Page	1336 / 0537
Map Reference	MB 9995 PG 1941
Instrument Date	Oct 18, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1033 LOGANBERRY LN, 1033, SALISBURY, NC 28146-7819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 E KERNS ST, SALISBURY, NC 28146-7311

Mortgage

Document Number	13360538
Date	Oct 18, 2019
Instrument	1336/0538

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 25, 2026

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
2026	$3,092.00	$303,222 (-) Land $28,500 Building $274,722	$303,222 (-) Land $28,500 Building $274,722
2023	$3,092.00	$303,222 Land $28,500 Building $274,722	$303,222 Land $28,500 Building $274,722

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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