320 Palmer Cir, Rockwell, NC 28138 Property Records

Rowan County property record for 320 Palmer Cir, Rockwell, NC 28138

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,079 sqft · built 1999
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$224,000 (Sep 2017)
Tax Bill	$2,943 (2026)
Deeds & Mortgages	Dec 2023 Line of Credit Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`365 099`

Property Details

APN / Parcel Number

Primary APN	`365 099`
Alternative APN	`6316777`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,079 sqft Living Area
1st Floor Area	2,079 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2007
Exterior Material	Brick
Lot Area	21,780 sqft (0.5 acres)
Garage Area	550 sqft
Porch	Porch
Porch Area	108 sqft
Deck Area	280 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	320 PALMER CIR
City	ROCKWELL
State	NC
Zip	28138-6501
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1:SINGLE
Legal Description	L16
Legal Subdivision	S R PALMER ESTATES
Jurisdiction	ROWAN NC
Township / Civil Division	GOLD HILL
Census Block Group	2
Census Block	2011
Census Tract	51001

Owner

320 Palmer Cir is owned by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 819, ROCKWELL, NC 28138-0819
Owner Type	Individual
Vesting	Et Ux (and Wife)

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 11, 2023	Deed of Trust, Mortgage · Line of Credit ALLEGACY FCU
Mar 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MOVEMENT MORTGAGE
Sep 29, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Jul 21, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Prior Sale	Jul 21, 2017 · Amount on File
Deed Book / Page	1297 / 323
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	320 PALMER CIR, ROCKWELL, NC 28138-6501
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014340206
Date	Dec 11, 2023
Book Page	1434/206

Lender

Name	ALLEGACY FCU
Type	Credit Union
Address	WINSTON SALEM, NC 27114

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	320 PALMER CIR, ROCKWELL, NC 28138-6501
Transaction Type	Mortgage
Record Updated	Apr 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013710052
Date	Mar 24, 2021
Book Page	1371/52

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company
Address	FORT MILL, SC 29707

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 29, 2017
Property Address	320 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0012970323
Book / Page	1297 / 0323
Map Reference	PG 1682
Instrument Date	Sep 26, 2017
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$448.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	38 SALEM ST, 38, THOMASVILLE, NC 27360-3937

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	12970324
Date	Sep 29, 2017
Instrument	1297/0324

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

July 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 21, 2017
Property Address	320 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0012930472
Book / Page	001293 / 000472
Instrument Date	May 1, 2017
Transaction Type	Foreclosure
Record Updated	Aug 3, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$352.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

Tax Assessment & Valuation

The 2026 property tax bill for 320 Palmer Cir was $2,943.

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,943.00	$283,072 Land $30,000 Building $253,072	$283,072 Land $30,000 Building $253,072
2023	$2,943.00	$283,072 Land $30,000 Building $253,072	$283,072 Land $30,000 Building $253,072

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

Flood

FEMA maps place 320 Palmer Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2010.

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	5 in force
Nearby Flood Claims	1 (2010)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 2010 · 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

Wildfire risk around 320 Palmer Cir is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SALISBURY-ROWAN serves 46,156 people · EPA ID NC0180010
Water Source	Surface water
Last State Inspection	Feb 2026
Lead	13 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Organic carbon removal Oct 2022
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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