1485 Gin Rd, Gold Hill, NC 28071 Property Records

Rowan County property record for 1485 Gin Rd, Gold Hill, NC 28071

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,760 sqft · built 1976
Lot Size	1.02 acres (44,431 sqft)
Owner	Individual Name on File
Last Sale	$264,000 (Nov 2023)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`382 020`

Property Details

APN / Parcel Number

Primary APN	`382 020`
Alternative APN	`6049941`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,760 sqft Living Area
1st Floor Area	1,760 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 2002
Exterior Material	Stone
Lot Area	44,431 sqft (1.02 acres)

Exterior Amenities

Porch	Porch
Porch Area	128 sqft
Deck Area	240 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	1485 GIN RD
City	GOLD HILL
State	NC
Zip	28071-6623
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.02AC
Jurisdiction	ROWAN NC
Township / Civil Division	GOLD HILL
Census Block Group	4
Census Block	4016
Census Tract	51001

Owner

1485 Gin Rd is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1485 GIN RD, GOLD HILL, NC 28071-6623
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
Dec 5, 2025	Deed of Trust, Mortgage · Conventional Mortgage CHURCHILL MORTGAGE CORP
Nov 1, 2023	Warranty Deed, Transfer · FHA Mortgage UWHARRIE BANK
Nov 14, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 1, 2023 · Amount on File
Deed Sale	Nov 1, 2023 · Amount on File
Prior Sale	Nov 14, 2022 · Amount on File
Deed Book / Page	1432 / 340
Prior Transfer Date	Apr 9, 2012
Prior Transfer Doc	0011950314
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	1485 GIN RD, GOLD HILL, NC 28071-6623
Transaction Type	Mortgage
Record Updated	Dec 16, 2025
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 GIN RD, GOLD HILL, NC 28071-6623

Mortgage

Document Number	0014730745
Date	Dec 5, 2025
Book Page	1473/745

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2041

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 1, 2023
Property Address	1485 GIN RD, GOLD HILL, NC 28071-6623
Document Number	0014320340
Book / Page	1432 / 340
Instrument Date	Oct 30, 2023
Transaction Type	Transfer
Record Updated	Nov 13, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	606 KNOLLWOOD CIR, ALBEMARLE, NC 28001-9686

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 GIN RD, GOLD HILL, NC 28071-6623

Mortgage

Document Number	0001432341
Date	Nov 1, 2023
Instrument	1432/341

Lender

Name	UWHARRIE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

Mortgage

Document Number	0014320342
Date	Nov 1, 2023
Book Page	1432/342

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Amount	Amount on Record

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 14, 2022
Property Address	1485 GIN RD, GOLD HILL, NC 28071-6623
Document Number	0014130580
Book / Page	1413 / 580
Instrument Date	Nov 14, 2022
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10325 GIN ROAD, 10325, GOLD HILL, NC 28071

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1485 GIN RD, GOLD HILL, NC 28071-6623
Investor	Possibly a Property Investor

Mortgage

Document Number	0014130581
Date	Nov 14, 2022
Book Page	1413/581

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.95%
Type Change Date	Dec 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.25%
Max Rate At Change	10.9%
Index	5-Year TN
Margin	2
Max Rate	10.9%

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	Assessed Value	Assessed Market Value
2026	$206,551 (-) Land $35,700 Building $170,851	$206,551 Land $35,700 Building $170,851
2025	$206,551 Land $35,700 Building $170,851
2023	$206,551 Land $35,700 Building $170,851	$206,551 Land $35,700 Building $170,851

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

Flood

FEMA maps place 1485 Gin Rd 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	1 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 1485 Gin Rd is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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