320 W Thomas St, Salisbury, NC 28144 Property Records

Rowan County property record for 320 W Thomas St, Salisbury, NC 28144

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,120 sqft · built 1927
Lot Size	0.248 acres (10,803 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (May 2024)
Tax Bill	$3,495 (2026)
Deeds & Mortgages	Dec 2025 Mortgage May 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`015 165`

Property Details

APN / Parcel Number

Primary APN	`015 165`
Alternative APN	`6083040`

Interior

Full Baths	2 Baths
Stories	2 Stories
Building Area	2,120 sqft Living Area
1st Floor Area	1,060 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Effective Year Built	Effective 2002
Exterior Material	Brick
Lot Area	10,803 sqft (0.248 acres)
Lot Dimensions	20 ft deep x 5.4 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	280 sqft
Deck Area	422 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	320 W THOMAS ST
City	SALISBURY
State	NC
Zip	28144-5352
Property Category	Residential
Property Type	Residential > Single Family > Home
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1015
Census Tract	50300

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Salisbury Historic District (Boundary Increase II) listed 1989 · 131 contributing resources · NRIS 89000760

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

320 W Thomas St is owned and occupied by two individuals who bought it in May 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	320 W THOMAS ST, SALISBURY, NC 28144-5352
Occupancy	Owner Occupied
Owner Type	Individual

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 23, 2025	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
May 1, 2024	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit CAROLINAS TELCO FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on File
Deed Sale	May 1, 2024 · Amount on File
Prior Sale	May 31, 2011 · Amount on File
Deed Book / Page	1441 / 422
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	320 W THOMAS ST, SALISBURY, NC 28144-5352
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W THOMAS ST, SALISBURY, NC 28144-5352

Mortgage

Document Number	0014740879
Date	Dec 23, 2025
Book Page	1474/879

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 1, 2024
Property Address	320 W THOMAS ST, SALISBURY, NC 28144-5352
Document Number	0014410422
Book / Page	1441 / 422
Instrument Date	Apr 30, 2024
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1623 W COLONIAL DR, SALISBURY, NC 28144-2267

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 W THOMAS ST, SALISBURY, NC 28144-5352

Mortgage

Document Number	0001441423
Date	May 1, 2024
Instrument	1441/423

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2054

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	320 W THOMAS ST, SALISBURY, NC 28144-5352
Transaction Type	Mortgage
Record Updated	Jan 9, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014350044
Date	Dec 28, 2023
Book Page	1435/44

Lender

Name	CAROLINAS TELCO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28208

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	264 Months
Due	Dec 27, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 320 W Thomas St was $3,495.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,495.00	$292,297 Land $22,275 Building $270,022	$292,297 Land $22,275 Building $270,022
2023	$3,470.00	$290,211 Land $22,275 Building $267,936	$290,211 Land $22,275 Building $267,936

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

Flood

FEMA maps place 320 W Thomas St in Zone X, an area of minimal flood risk.

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

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 W Thomas St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Hotwire Communications Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile.

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