340 Palmer Cir, Rockwell, NC 28138 Property Records

Rowan County property record for 340 Palmer Cir, Rockwell, NC 28138

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,472 sqft · built 1997
Lot Size	0.54 acres (23,522 sqft)
Owner	Individual Name on File
Tax Bill	$2,565 (2026)
Deeds & Mortgages	Jul 2022 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`365 089`

Property Details

APN / Parcel Number

Primary APN	`365 089`
Alternative APN	`6241414`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,472 sqft Living Area
1st Floor Area	1,472 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2006
Exterior Material	Brick
Lot Area	23,522 sqft (0.54 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Porch	Porch
Porch Area	114 sqft
Deck Area	168 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	340 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	L11
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

340 Palmer Cir is owned and occupied by an individual who acquired it in June 2022.

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

Owner of Record	Individual Name on File
Mailing Address	340 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
Jul 8, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jan 19, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Jun 19, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2003
Deed Sale	Aug 22, 2003
Deed Book / Page	988 / 347
Last Transfer Date	Jun 28, 2022
Transfer Doc	0014050652
Record Updated	Oct 29, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Jul 8, 2022
Property Address	340 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0014050652
Book / Page	1405 / 652
Map Reference	PG 1682
Instrument Date	Jun 28, 2022
Transaction Type	Transfer
Record Updated	Jul 20, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3414 PIEDMONT PARK TRL, 3414, KANNAPOLIS, NC 28083-0020

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	0001405653
Date	Jul 8, 2022
Instrument	1405/653

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Aug 1, 2027
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	5.5%
Index	5-Year CMT
Max Rate	9.5%

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Jan 19, 2021
Property Address	340 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0013660116
Book / Page	1366 / 116
Map Reference	MAP 1682
Instrument Date	Jan 12, 2021
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	340 PALMER CIR, ROCKWELL, NC 28138-6501

Mortgage

Document Number	1366117
Date	Jan 19, 2021
Instrument	1366/117

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

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

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	340 PALMER CIR, ROCKWELL, NC 28138-6501
Document Number	0013110488
Instrument Date	Jun 19, 2018
Transaction Type	Mortgage
Record Updated	Jul 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	340 PALMER CIR ROCKWELL NC 281386501, ROCKWELL, NC 28138-6501

Mortgage

Document Number	0013110488
Date	Jun 25, 2018
Book Page	001311/000488

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 340 Palmer Cir was $2,565.

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	$2,565.00	$246,650 (-) Land $31,500 Building $215,150	$246,650 Land $31,500 Building $215,150
2025	$2,565.00	$246,650 Land $31,500 Building $215,150
2023	$2,565.00	$246,650 Land $31,500 Building $215,150	$246,650 Land $31,500 Building $215,150

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

Flood

FEMA maps place 340 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 340 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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