Rowan County property record for 409 Elm St, Salisbury, NC 28144
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,160 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $180,000 (Mar 2022) |
| Tax Bill | $2,106 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Dec 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013 274 |
| Primary APN | 013 274 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,160 sqft Living Area |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 441 sqft |
| Unfinished Basement | 441 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 17.4 ft deep x 5 ft wide |
| Porch | Porch |
| Porch Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 409 ELM ST |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28144-6121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L3 MRS. E. A. NAILS |
| Legal Subdivision | MRS E A NAILS PROPERTY |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 2 |
| Census Block | 2017 |
| Census Tract | 50300 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Fulton Heights Historic District listed 1999 · 441 contributing resources · NRIS 99000394 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Rowan County records, as of August 25, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 409 ELM ST, SALISBURY, NC 28144-6121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2022 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Dec 27, 2018 | Warranty Deed, Transfer · Conventional with PMI PRIMELENDING |
| May 8, 2018 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 2022 · Amount on Record |
| Deed Sale | Mar 1, 2022 · Amount on Record |
| Prior Sale | Dec 27, 2018 · Amount on Record |
| Deed Book / Page | 1396 / 443 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 1, 2022 |
| Property Address | 409 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013960443 |
| Book / Page | 1396 / 443 |
| Map Reference | MB 1320 PG 890 |
| Instrument Date | Mar 1, 2022 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $360.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 395 OLD MOUNTAIN RD, 395, STATESVILLE, NC 28677-2063 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 409 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0001396444 |
|---|---|
| Date | Mar 1, 2022 |
| Instrument | 1396/444 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 27, 2018 |
| Property Address | 409 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013200890 |
| Book / Page | 001320 / 000890 |
| Instrument Date | Dec 27, 2018 |
| Transaction Type | Transfer |
| Record Updated | Jan 8, 2019 |
| Title Company | NATIONWIDE TITLE CLEARING INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 409 ELM ST SALISBURY NC 281446121, SALISBURY, NC 28144-6121 |
| Document Number | 13200891 |
|---|---|
| Date | Dec 27, 2018 |
| Book Page | 001320/000891 |
| Name | PRIMELENDING |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 26, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 8, 2018 |
| Property Address | 409 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013080807 |
| Book / Page | 001308 / 000807 |
| Instrument Date | May 1, 2018 |
| Transaction Type | Transfer |
| Record Updated | May 31, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $30.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1917 BENJAMIN DR SALISBURY NC 281467073, SALISBURY, NC 28146-7073 |
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 | $2,106.00 | $176,097 (-) Land $17,850 Building $158,247 | $176,097 (-) Land $17,850 Building $158,247 |
| 2023 | $2,106.00 | $176,097 Land $17,850 Building $158,247 | $176,097 Land $17,850 Building $158,247 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 8 (2009–2018) |
| Claims Outside the SFHA | 5 of 8 |
| Most Recent Claim | Oct 2018 · river or lake flooding |
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: 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 | None beyond ember reach |
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 293 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Hotwire Communications Fiber | 5,000 / 5,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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