3170 River Rd, Richfield, NC 28137 Property Records

Rowan County property record for 3170 River Rd, Richfield, NC 28137

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,463 sqft · built 2003
Lot Size	4.36 acres (189,922 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Apr 2017)
Tax Bill	$2,650 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`530E082`

Property Details

APN / Parcel Number

Primary APN	`530E082`
Alternative APN	`6343467`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,463 sqft Living Area
1st Floor Area	1,872 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Lot Area	189,922 sqft (4.36 acres)
Garage Type	Detached
Garage Area	816 sqft
Porch	Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	3170 RIVER RD
City	RICHFIELD
State	NC
Zip	28137-9770
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L71 4.36AC
Legal Subdivision	STILLWATERS SECTION 5
Jurisdiction	ROWAN NC
Township / Civil Division	MORGAN
Census Block Group	1
Census Block	1030
Census Tract	50904

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	3170 RIVER RD, RICHFIELD, NC 28137-9770
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Jun 5, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 13, 2018	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 24, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2017 · Amount on Record
Deed Sale	Apr 24, 2017 · Amount on Record
Prior Sale	Sep 24, 2013 · Amount on Record
Deed Book / Page	1288 / 713
Prior Transfer Date	Apr 30, 2009
Prior Transfer Doc	0011410741
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	3170 RIVER RD, RICHFIELD, NC 28137-9770
Transaction Type	Mortgage
Record Updated	Apr 21, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 RIVER RD, RICHFIELD, NC 28137-9770

Mortgage

Document Number	0014210139
Date	Apr 10, 2023
Book Page	1421/139

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	3170 RIVER RD, RICHFIELD, NC 28137-9770
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013490683
Date	Jun 5, 2020
Book Page	1349/683

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jul 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	3170 RIVER RD, RICHFIELD, NC 28137-9770
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013180791
Date	Nov 13, 2018
Book Page	1318/0791

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 24, 2017
Property Address	3170 RIVER RD, RICHFIELD, NC 28137-9770
Document Number	0012880713
Book / Page	001288 / 000713
Instrument Date	Apr 24, 2017
Transaction Type	Transfer
Record Updated	May 19, 2017

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$470.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3170 RIVER RD RICHFIELD NC 281379770, RICHFIELD, NC 28137-9770

Mortgage

Document Number	12880714
Date	Apr 24, 2017
Book Page	001288/000714

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

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	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,650.00	$395,600 (-) Land $82,125 Building $313,475	$395,600 (-) Land $82,125 Building $313,475
2025	$2,650.00	$395,600 (-) Land $82,125 Building $313,475
2023	$2,650.00	$395,600 Land $82,125 Building $313,475	$395,600 Land $82,125 Building $313,475

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

Flood

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
Nearby Flood Claims	1 (2001)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2001 · 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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 23 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G and 4G LTE (outdoors only)

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