409 Richmond Rd, Salisbury, NC 28144 Property Records

Rowan County property record for 409 Richmond Rd, Salisbury, NC 28144

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,545 sqft · built 1964
Lot Size	0.57 acres (24,829 sqft)
Owner	Individual Name on File
Tax Bill	$5,548 (2026)
Deeds & Mortgages	May 2020 Mortgage Jun 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`041 100`

Property Details

APN / Parcel Number

Primary APN	`041 100`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,545 sqft Living Area
1st Floor Area	1,406 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 2010
Exterior Material	Brick
Lot Area	24,829 sqft (0.57 acres)
Garage Area	484 sqft
Porch	Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	409 RICHMOND RD
City	SALISBURY
State	NC
Zip	28144-2853
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L2 BLK B
Legal Block	B
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	1
Census Block	1002
Census Tract	50500

Owner

409 Richmond Rd is owned and occupied by an individual who acquired it in August 2009.

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

Owner of Record	Individual Name on File
Mailing Address	409 RICHMOND RD, SALISBURY, NC 28144-2853
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
May 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS NAT'L BK
Jun 18, 2018	Loan Modification, Mortgage FARMERS & MERCHANTS NAT'L BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 6, 2009
Transfer Doc	0011470588
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	409 RICHMOND RD, SALISBURY, NC 28144-2853
Document Number	0013480547
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 10, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RICHMOND RD SALISBURY NC 281442853, SALISBURY, NC 28144-2853

Mortgage

Document Number	0013480547
Date	May 18, 2020
Book Page	001348/000547

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 17, 2035

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ROWAN NC
Property Address	409 RICHMOND RD, SALISBURY, NC 28144-2853
Document Number	0013110713
Instrument Date	Jun 18, 2018
Transaction Type	Mortgage
Record Updated	Jul 10, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 RICHMOND RD SALISBURY NC 281442853, SALISBURY, NC 28144-2853

Mortgage

Document Number	0013110713
Date	Jun 28, 2018
Book Page	001311/000713

Lender

Name	FARMERS & MERCHANTS NAT'L BK
Type	Bank
Address	SALISBURY, NC 28144

Agreement

Term	180 Months
Due	Jun 27, 2033

Tax Assessment & Valuation

The 2026 property tax bill for 409 Richmond Rd was $5,548.

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rowan County
Municipality	Salisbury City
Unified School District	Rowan-Salisbury Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,548.00	$463,934 (-) Land $100,000 Building $363,934	$463,934 Land $100,000 Building $363,934
2025	$5,548.00	$463,934 Land $100,000 Building $363,934
2023	$5,548.00	$463,934 Land $100,000 Building $363,934	$463,934 Land $100,000 Building $363,934

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

Flood

FEMA maps place 409 Richmond Rd in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1983.

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	2 in force
Nearby Flood Claims	4 (1983–2020)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Feb 2020 · 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 409 Richmond Rd is low, with a 0.04% annual chance of wildfire.

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	0.04% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 181 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Hotwire Communications Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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