Rowan County property record for 265 Prospect Trl, Salisbury, NC 28147
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 2,174 sqft · built 2023 |
| Lot Size | 1.17 acres (50,965 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Mar 2026) |
| Tax Bill | $2,038 (2026) |
| Deeds & Mortgages | Mar 2024 Mortgage Sep 2024 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 464E214 |
| Primary APN | 464E214 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,174 sqft Living Area |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Footing |
| Lot Area | 50,965 sqft (1.17 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 265 PROSPECT TRL |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28147-8845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L17 |
| Legal Subdivision | MAP OF HIDDEN HUT FARMS |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | LOCKE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 51202 |
265 Prospect Trl is owned and occupied by an individual who bought it in March 2026.
Source: Rowan County records, as of October 19, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Mar 11, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CHURCHILL FUNDING I LLC |
| Sep 26, 2024 | Deed of Trust, Mortgage · Commercial Mortgage CARTER LUMBER OF THE SOUTH INC |
| Mar 6, 2024 | Deed of Trust, Mortgage EGHT DOT FIVE ENTERPRSES LLC |
| Mar 23, 2026 | Warranty Deed, Transfer · Conventional Mortgage PRESIDENTIAL BANK FSB |
| Jul 13, 2022 | Warranty Deed, Transfer |
| Jul 13, 2022 | Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU |
| Jul 5, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 23, 2026 · Amount on File |
| Deed Sale | Mar 23, 2026 · Amount on File |
| Prior Sale | May 9, 2025 · Amount on File |
| Deed Book / Page | 1479 / 554 |
| Prior Transfer Date | May 1, 2025 |
| Prior Transfer Doc | 1461000617 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0014380446 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 1438/446 |
| Name | CHURCHILL FUNDING I LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | CHARLOTTE, NC 28203 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 13 Months |
| Due | Apr 1, 2025 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0014490472 |
|---|---|
| Date | Sep 26, 2024 |
| Book Page | 1449/472 |
| Name | CARTER LUMBER OF THE SOUTH INC |
|---|---|
| Type | Non-Lending Institution |
| Address | KENT, OH 44240 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0014380170 |
|---|---|
| Date | Mar 6, 2024 |
| Book Page | 1438/170 |
| Name | EGHT DOT FIVE ENTERPRSES LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | MOORESVILLE, NC 28117 |
| Amount | Amount on Record |
|---|---|
| Term | 8 Months |
| Due | Nov 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 23, 2026 |
| Property Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Document Number | 0014790554 |
| Book / Page | 1479 / 554 |
| Map Reference | MB 9995 PG 1360 |
| Instrument Date | Mar 19, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 1, 2026 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1415 VANTAGE PARK DR # DR240, DR240, CHARLOTTE, NC 28203-4073 |
| Name | Verified Name |
|---|---|
| Address | 265 PROSPECT TRL, SALISBURY, NC 28147-8845 |
| Document Number | 0001479555 |
|---|---|
| Date | Mar 23, 2026 |
| Instrument | 1479/555 |
| Name | PRESIDENTIAL BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jul 13, 2022 |
| Property Address | PROSPECT TRL, SALISBURY, NC 28147 |
| Document Number | 0014050924 |
| Book / Page | 1405 / 924 |
| Map Reference | MB 9995 PG 1360 |
| Instrument Date | Jul 11, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 WILEY AVE, 301, SALISBURY, NC 28144-6274 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3965, MOORESVILLE, NC 28117-3965 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jul 13, 2022 |
| Property Address | PROSPECT TRL, SALISBURY, NC 28147 |
| Document Number | 0014050941 |
| Book / Page | 1405 / 941 |
| Map Reference | MB 9995 PG 1360 |
| Instrument Date | Jul 7, 2022 |
| Transaction Type | Transfer |
| Record Updated | Jul 26, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 236 RACEWAY DR STE 7, 236, MOORESVILLE, NC 28117-6518 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 3965, MOORESVILLE, NC 28117-3965 |
| Investor | Possibly a Property Investor |
| Document Number | 0001405942 |
|---|---|
| Date | Jul 13, 2022 |
| Instrument | 1405/942 |
| Name | MCU FINANCIAL CENTER CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jul 5, 2018 |
| Property Address | PROSPECT TRL, SALISBURY, NC 28147 |
| Document Number | 0013120005 |
| Book / Page | 001312 / 000005 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jul 19, 2018 |
| Amount | Amount on Record |
|---|---|
| Tax | $4.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 301 WILEY AVE SALISBURY NC 281446274, SALISBURY, NC 28144-6274 |
The 2026 property tax bill for 265 Prospect Trl was $2,038.
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,038.00 | $300,894 (-) Land $34,200 Building $266,694 | $300,894 Land $34,200 Building $266,694 |
| 2025 | $2,038.00 | $300,894 Land $34,200 Building $266,694 | |
| 2023 | $196.00 | $29,070 Land $29,070 | $300,894 Land $34,200 Building $266,694 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 265 Prospect Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.
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 |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Nov 2011 · 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 risk around 265 Prospect Trl is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | WINDMILL RIDGE S/D private · serves 140 people · EPA ID NC0180196 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T DSL | 100 / 20 |
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