Rowan County property record for 321 Ludwick Ave, Salisbury, NC 28146
| Property Type | Single Family Home |
|---|---|
| Details | 2.5 ba · 1,582 sqft · built 1988 |
| Lot Size | 0.775 acres (33,759 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $99,700 (Oct 2015) |
| Tax Bill | $2,946 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 069 079 |
| Primary APN | 069 079 |
|---|---|
| Alternative APN |
|
| Full Baths | 2.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,582 sqft Living Area |
| 1st Floor Area | 1,582 sqft |
| Basement Area | 1,582 sqft |
| Unfinished Basement | 1,582 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 33,759 sqft (0.775 acres) |
| Lot Dimensions | 15 ft deep x 22.5 ft wide |
| Garage Type | Detached |
| Porch | Porch |
| Porch Area | 225 sqft |
| Deck Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 321 LUDWICK AVE |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28146-5918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L24-32 BLK C |
| Legal Subdivision | OAK RIDGE ADDITION |
| Legal Block | C |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 50202 |
321 Ludwick Ave is owned and occupied by two individuals who bought it in October 2015.
Source: Rowan County records, as of August 25, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 321 LUDWICK AVE, SALISBURY, NC 28146-5918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 6, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 7, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CREDIT UNION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2015 · Amount on File |
| Deed Sale | Oct 29, 2015 · Amount on File |
| Deed Book / Page | 1260 / 712 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 321 LUDWICK AVE, SALISBURY, NC 28146-5918 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0014380185 |
|---|---|
| Date | Mar 6, 2024 |
| Book Page | 1438/185 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Apr 7, 2026 |
| Property Address | 321 LUDWICK AVE, SALISBURY, NC 28146-5918 |
| Document Number | 1480000590 |
| Book / Page | 1480 / 590 |
| Instrument Date | Mar 31, 2026 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 321 LUDWICK AVE, SALISBURY, NC 28146-5918 |
| Document Number | 1480000588, |
|---|---|
| Date | Apr 7, 2026 |
| Book Page | 1480/588 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 321 Ludwick Ave was $2,946.
Source: Rowan County assessment roll, as of August 25, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Salisbury City |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,946.00 | $246,373 (-) Land $61,358 Building $185,015 | $246,373 Land $61,358 Building $185,015 |
| 2025 | $2,946.00 | $246,373 Land $61,358 Building $185,015 | |
| 2023 | $2,946.00 | $246,373 Land $61,358 Building $185,015 | $246,373 Land $61,358 Building $185,015 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 321 Ludwick Ave 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 | 4 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 risk around 321 Ludwick Ave is low, with 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 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 201 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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