1314 Oak Leaf Ln, Salisbury, NC 28146 Property Records

Rowan County property record for 1314 Oak Leaf Ln, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,163 sqft · built 2005
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$454,500 (Mar 2025)
Tax Bill	$8,118 (2026)
Deeds & Mortgages	Nov 2023 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`064F005`

Property Details

APN / Parcel Number

Primary APN	`064F005`
Alternative APN	`6297385`

Interior

Full Baths	4 Baths
Stories	2 Stories
Building Area	4,163 sqft Living Area
1st Floor Area	1,320 sqft
Basement Area	1,320 sqft
Finished Basement	1,320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2010
Exterior Material	Composition/Composite
Lot Area	14,810 sqft (0.34 acres)
Garage Area	420 sqft
Porch	Porch
Porch Area	180 sqft
Deck Area	368 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1314 OAK LEAF LN
City	SALISBURY
State	NC
Zip	28146-6320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L41 .34AC
Legal Subdivision	OAKVIEW COMMONS
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	3
Census Block	3045
Census Tract	50202

Owner

1314 Oak Leaf Ln is owned and occupied by two individuals who bought it in March 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320
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
Nov 28, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 5, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 10, 2019	Warranty Deed, Transfer · FHA Mortgage AMERICAN SECURITY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2025 · Amount on File
Deed Sale	Mar 18, 2025 · Amount on File
Prior Sale	Oct 9, 2024 · Amount on File
Deed Book / Page	1458 / 580
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320
Transaction Type	Mortgage
Record Updated	Mar 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320

Mortgage

Document Number	0014330549
Date	Nov 28, 2023
Book Page	1433/549

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	306 Months
Due	May 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320

Mortgage

Document Number	0013650113
Date	Jan 5, 2021
Book Page	1365/113

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	340 Months
Due	May 1, 2049

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 10, 2019
Property Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320
Document Number	0013250845
Book / Page	1325 / 0845
Map Reference	PG 5141
Instrument Date	Apr 10, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	190 TEAGUE RD, 190, SALISBURY, NC 28146-8774

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1314 OAK LEAF LN, SALISBURY, NC 28146-6320

Mortgage

Document Number	13250846
Date	Apr 10, 2019
Instrument	1325/0846

Lender

Name	AMERICAN SECURITY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1314 Oak Leaf Ln was $8,118.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,118.00	$678,798 (-) Land $37,500 Building $641,298	$678,798 Land $37,500 Building $641,298
2025	$8,118.00	$678,798 Land $37,500 Building $641,298
2023	$6,783.00	$567,202 Land $37,500 Building $529,702	$678,798 Land $37,500 Building $641,298

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

Flood

FEMA maps place 1314 Oak Leaf Ln in Zone X, an area of minimal flood risk.

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	2 in force

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

Wildfire risk around 1314 Oak Leaf Ln is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.03% 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 190 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 / 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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