190 Bluff Ln, Salisbury, NC 28146 Property Records

Rowan County property record for 190 Bluff Ln, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	5 ba · 3,539 sqft · built 2017
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Dec 2012)
Tax Bill	$6,674 (2023)
Deeds & Mortgages	Sep 2022 Line of Credit Jul 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`612B016`

Property Details

APN / Parcel Number

Primary APN	`612B016`
Alternative APN	`6326282`

Interior

Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,539 sqft Living Area

Exterior

Year Built	Built 2017
Exterior Material	Composition/Composite
Foundation Type	Footing
Lot Area	108,900 sqft (2.5 acres)
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	6326282
Street Address	190 BLUFF LN
City	SALISBURY
State	NC
Zip	28146-7460
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	L11R 2.50AC
Legal Subdivision	HLUFFS/HIGH ROCK LAKE
Legal Lot Number	11R
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1002
Census Tract	50901

Owner

Source: Rowan County records · APN 612B016

Assessment roll updated January 1, 2023 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	190 BLUFF LN, SALISBURY, NC 28146-7460
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Jul 02, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 04, 2012 · Amount on Record
Deed Sale	Dec 04, 2012 · Amount on Record
Deed Document Number	0000120897
Deed Book / Page	1208 / 97
Record Updated	Jun 07, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	190 BLUFF LN, SALISBURY, NC 28146-7460
Transaction Type	Mortgage
Record Updated	Apr 17, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014110034
Date	Sep 30, 2022
Book Page	1411/34

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	190 BLUFF LN, SALISBURY, NC 28146-7460
Document Number	0013120465
Instrument Date	Jul 02, 2018
Transaction Type	Mortgage
Record Updated	Jul 24, 2018
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	190 BLUFF LN SALISBURY NC 281467460, SALISBURY, NC 28146-7460

Mortgage

Document Number	0013120465
Date	Jul 16, 2018
Book Page	001312/000465

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 15, 2048

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$6,674.00	$999,879 Land $270,050 Building $729,829	$999,879 Land $270,050 Building $729,829

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2003 · rainfall accumulation

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Based on FCC filings for 18 locations within half a mile of this property.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Bluff Ln

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