328 Palmer Cir, Rockwell, NC 28138 Property Records

Rowan County property record for 328 Palmer Cir, Rockwell, NC 28138

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,383 sqft · built 2000
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (May 2020)
Tax Bill	$3,353 (2026)
Deeds & Mortgages	Oct 2026 Line of Credit Oct 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`365 097`

Property Details

APN / Parcel Number

Primary APN	`365 097`
Alternative APN	`6340533`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,383 sqft Living Area
1st Floor Area	1,453 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2006
Exterior Material	Brick
Foundation Type	Footing
Lot Area	21,780 sqft (0.5 acres)
Garage Area	675 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	576 sqft
Porch	Porch
Porch Area	170 sqft
Deck Area	288 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	328 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	L14 S. R. PALMER ESTATE
Legal Subdivision	S R PALMER ESTATE
Jurisdiction	ROWAN NC
Township / Civil Division	GOLD HILL
Census Block Group	2
Census Block	2011
Census Tract	51001

Owner

328 Palmer Cir is owned and occupied by two individuals who bought it in May 2020.

Source: Rowan County records, as of October 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	328 PALMER CIR, ROCKWELL, NC 28138-6501
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
Oct 9, 2026	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA
Oct 26, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
May 19, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2020 · Amount on File
Deed Sale	May 19, 2020 · Amount on File
Prior Sale	May 3, 2016 · Amount on File
Deed Book / Page	1348 / 656
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Oct 9, 2026
Property Address	328 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	1492000416
Book / Page	1492 / 416
Instrument Date	Sep 28, 2026
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	328 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	1492000416,
Date	Oct 9, 2026
Book Page	1492/416

Lender

Name	BANK OF AMERICA

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Sep 28, 2056

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	328 PALMER CIR, ROCKWELL, NC 28138-6501
Transaction Type	Mortgage
Record Updated	Nov 8, 2023
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014310883
Date	Oct 26, 2023
Book Page	1431/883

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	May 19, 2020
Property Address	328 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0013480656
Book / Page	001348 / 000656
Instrument Date	May 19, 2020
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	328 PALMER CIR ROCKWELL NC 281386501, ROCKWELL, NC 28138-6501

Mortgage

Document Number	13480657
Date	May 19, 2020
Book Page	001348/000657

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	May 18, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 328 Palmer Cir was $3,353.

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	$3,353.00	$322,404 Land $30,000 Building $292,404	$322,404 Land $30,000 Building $292,404
2023	$3,353.00	$322,404 Land $30,000 Building $292,404	$322,404 Land $30,000 Building $292,404

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

Flood

FEMA maps place 328 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 328 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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