2895 E Ridge Rd, Salisbury, NC 28144 Property Records

Rowan County property record for 2895 E Ridge Rd, Salisbury, NC 28144 · Last verified November 2023

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,573 sqft · built 2022
Lot Size	1.11 acres (48,352 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Nov 2023)
Tax Bill	$1,267 (2023)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`322C078`

Property Details

APN / Parcel Number

Primary APN	`322C078`
Alternative APN	`13558`

Interior

Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,573 sqft Living Area

Exterior

Year Built	Built 2022
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Lot Area	48,352 sqft (1.11 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	13558
Street Address	2895 E RIDGE RD
City	SALISBURY
State	NC
Zip	28144-1281
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L14 1.11AC
Legal Subdivision	GARRICK DOWNS SECTION 1
Legal Lot Number	14
Jurisdiction	ROWAN NC
Township / Civil Division	FRANKLIN
Census Block Group	3
Census Block	3008
Census Tract	51302

Owner

Source: Rowan County records · APN 322C078

Assessment roll updated January 1, 2023 · Last verified November 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	2895 E RIDGE RD, SALISBURY, NC 28144-1281
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 02, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jun 22, 2023	Deed of Trust, Mortgage · Commercial Mortgage AMERIFIRST FINANCIAL INC
Jan 31, 2022	Warranty Deed, Transfer · Commercial Mortgage MCU FINANCIAL CENTER CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2023 · Amount on Record
Deed Sale	Nov 02, 2023 · Amount on Record
Prior Sale	Jan 31, 2022 · Amount on Record
Deed Document Number	0001432382
Deed Book / Page	1432 / 382
Record Updated	Jun 07, 2026

November 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 02, 2023
Property Address	2895 E RIDGE RD, SALISBURY, NC 28144-1281
Document Number	0014320382
Book / Page	1432 / 382
Map Reference	MB 9995 PG 9840
Instrument Date	Oct 31, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 14, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2895 E RIDGE RD, SALISBURY, NC 28144-1281

Mortgage

Document Number	0001432383
Date	Nov 02, 2023
Instrument	1432/383

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	7.02%
Type Change Date	Dec 01, 2028
Change Frequency	5 Years
Min Rate At Change	5.02%
Max Rate At Change	9.02%
Index	5-Year TN
Max Rate	13%

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	2895 E RIDGE RD, SALISBURY, NC 28144-1281
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	236 RACEWAY DR 7, 7, MOORESVILLE, NC 28117-6518
Investor	Possibly a Property Investor

Mortgage

Document Number	0014250279
Date	Jun 22, 2023
Book Page	1425/279

Lender

Name	AMERIFIRST FINANCIAL INC
Type	Mortgage Company
Address	GILBERT, AZ 85297

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jul 01, 2024

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jan 31, 2022
Property Address	2895 E RIDGE RD, SALISBURY, NC 28144-1281
Document Number	0013940141
Book / Page	1394 / 141
Map Reference	PG 2874
Instrument Date	May 20, 2021
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Tax	$216.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 NORTH RD, SALISBURY, NC 28144-6907

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 3965, MOORESVILLE, NC 28117-3965
Investor	Possibly a Property Investor

Mortgage

Document Number	0013940155
Date	Jan 31, 2022
Book Page	1394/155

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union
Address	CLEVELAND, OH 44114

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Oct 21, 2022

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated January 1, 2023 · Last verified November 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	$1,267.00	$190,589 Land $35,000 Building $155,589	$190,589 Land $35,000 Building $155,589

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371590513023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 10 individual NFIP policies nearby
Nearby Flood Policies	10 in force
Nearby Flood Claims	1 (2020)
Most Recent Claim	Nov 2020, river or lake flooding, Tropical Storm Eta

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 2,500 per year
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · Published October 2026 · based on 99 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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