Rowan County property record for 406 Willow Rd, Salisbury, NC 28147
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,940 sqft · built 1973 |
| Lot Size | 0.56 acres (24,394 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $196,000 (Oct 2020) |
| Tax Bill | $3,321 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Mar 2024 Line of Credit + 8 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 329B190 |
| Primary APN | 329B190 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,940 sqft Living Area |
| 1st Floor Area | 1,940 sqft |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Brick |
| Lot Area | 24,394 sqft (0.56 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Porch | Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 360 sqft |
| Canopy | 672 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 406 WILLOW RD |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28147-7749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L76 WESTCLIFFE SEC 3 |
| Legal Subdivision | WESTCLIFFE SEC 3 |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | FRANKLIN |
| Census Block Group | 5 |
| Census Block | 5003 |
| Census Tract | 51303 |
Source: Rowan County records · APN 329B190
Assessment roll updated August 8, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 28, 2026 | Deed of Trust, Mortgage · Line of Credit TRUST BANK |
| Mar 22, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 24, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NFM INC |
| Nov 17, 2017 | Deed of Trust, Mortgage · Conventional Mortgage SHARONVIEW FCU |
| Nov 17, 2017 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Oct 16, 2017 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Mar 22, 2019 | Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU |
| Jan 19, 2021 | Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB |
| Oct 29, 2020 | Warranty Deed, Transfer ATTORNEY ONLY |
| Jan 05, 2017 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 29, 2020 · Amount on Record |
| Deed Sale | Oct 29, 2020 · Amount on Record |
| Prior Sale | Jan 05, 2017 · Amount on Record |
| Deed Book / Page | 1359 / 782 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 28, 2026 |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 1484000006 |
| Book / Page | 1484 / 6 |
| Instrument Date | Mar 03, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LENDER RECORDING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 1484000006, |
|---|---|
| Date | May 28, 2026 |
| Book Page | 1484/6 |
| Name | TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Apr 05, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|---|
| Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 0014390257 |
|---|---|
| Date | Mar 22, 2024 |
| Book Page | 1439/257 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 21, 2034 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 01, 2022 |
| Title Company | FIRST TITLE COMPANY, FIRST TITLE AND ESCROW INC |
| Name | Verified Name |
|---|
| Document Number | 0013930630 |
|---|---|
| Date | Jan 24, 2022 |
| Book Page | 1393/630 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013000051 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 1300/0051 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013000087 |
|---|---|
| Date | Nov 17, 2017 |
| Book Page | 1300/0087 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0012980205 |
|---|---|
| Date | Oct 16, 2017 |
| Book Page | 1298/0205 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 02, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0013240884 |
|---|---|
| Date | Mar 22, 2019 |
| Book Page | 1324/0884 |
| Name | SHARONVIEW FCU |
|---|---|
| Type | Credit Union |
| Address | FORT MILL, SC 29716 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 11, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013660100 |
|---|---|
| Date | Jan 19, 2021 |
| Book Page | 1366/100 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Oct 29, 2020 |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 0013590782 |
| Book / Page | 001359 / 000782 |
| Instrument Date | Oct 28, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 06, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $392.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 WILLOW RD SALISBURY NC 281477749, SALISBURY, NC 28147-7749 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jan 05, 2017 |
| Property Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 0012820820 |
| Book / Page | 1282 / 0820 |
| Map Reference | PG1061 |
| Instrument Date | Jan 05, 2017 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 406 WILLOW RD, SALISBURY, NC 28147-7749 |
| Document Number | 12820821 |
|---|---|
| Date | Jan 05, 2017 |
| Instrument | 1282/0821 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
| Type Change Date | Feb 01, 2022 |
|---|
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Municipality | Salisbury City |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,321.00 (+2%) | $277,750 (+2.01%) Land $32,000 Building $245,750 | |
| 2023 | $3,256.00 | $272,277 Land $32,000 Building $240,277 | $277,750 Land $32,000 Building $245,750 |
Source: FEMA National Flood Hazard Layer as of May 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 4 (2004–2020) |
| Claims Outside the SFHA | 4 of 4 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 2,500 / 2,500 |
| Spectrum Cable | 1,000 / 50 |
| AT&T DSL | 100 / 20 |
May also be available: T-Mobile USA.
Based on FCC filings for 182 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SALISBURY-ROWAN serves 46,156 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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