325 Palmer Cir, Rockwell, NC 28138 Property Records

Rowan County property record for 325 Palmer Cir, Rockwell, NC 28138

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,274 sqft · built 1998
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Aug 2026)
Tax Bill	$3,501 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`365 101`

Property Details

APN / Parcel Number

Primary APN	`365 101`
Alternative APN	`6346429`

Interior

Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,274 sqft Living Area
1st Floor Area	1,986 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2007
Exterior Material	Brick
Lot Area	22,216 sqft (0.51 acres)
Garage Type	Detached
Garage Area	600 sqft

Exterior Amenities

Porch	Porch
Porch Area	108 sqft
Lean-To	175 sqft
Storage Building	250 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	325 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	L24
Jurisdiction	ROWAN NC
Township / Civil Division	GOLD HILL
Census Block Group	2
Census Block	2012
Census Tract	51001

Owner

325 Palmer Cir is owned and occupied by an individual who bought it in August 2026.

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

Owner of Record	Individual Name on File
Mailing Address	325 PALMER CIR, ROCKWELL, NC 28138-6501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Aug 14, 2026	Warranty Deed, Transfer · Conventional Mortgage SHARONVIEW FEDERAL CREDIT UNION
Nov 21, 2022	Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS BANK
Feb 16, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2026 · Amount on File
Deed Sale	Aug 14, 2026 · Amount on File
Prior Sale	Feb 16, 2018 · Amount on File
Deed Book / Page	1489 / 94
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 14, 2026
Property Address	325 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	1489000094
Book / Page	1489 / 94
Instrument Date	Aug 10, 2026
Transaction Type	Transfer
Record Updated	Aug 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$77,770.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	1489000095,
Date	Aug 14, 2026
Book Page	1489/95

Lender

Name	SHARONVIEW FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	325 PALMER CIR, ROCKWELL, NC 28138-6501
Transaction Type	Mortgage
Record Updated	Dec 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	0014140119
Date	Nov 21, 2022
Book Page	1414/119

Lender

Name	FARMERS & MERCHANTS BANK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 16, 2018
Property Address	325 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0013040350
Book / Page	1304 / 0350
Map Reference	MB 9995 PG 1682
Instrument Date	Feb 16, 2018
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	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 668, ROCKWELL, NC 28138-0668

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	325 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	13040351
Date	Feb 16, 2018
Instrument	1304/0351

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 325 Palmer Cir was $3,501.

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	$3,501.00	$336,646 Land $30,000 Building $306,646	$336,646 Land $30,000 Building $306,646
2023	$3,501.00	$336,646 Land $30,000 Building $306,646	$336,646 Land $30,000 Building $306,646

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

Flood

FEMA maps place 325 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 325 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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