Rowan County property record for 417 Spring Oak Dr, Salisbury, NC 28147 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,671 sqft · built 1997 |
| Lot Size | 1.07 acres (46,609 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $325,000 (Jan 2021) |
| Tax Bill | $2,196 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit Jan 2021 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 478 041 |
| Primary APN | 478 041 |
|---|---|
| Alternative APN |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,671 sqft Living Area |
| 1st Floor Area | 1,712 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 46,609 sqft (1.07 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Pool Type | In-Ground Vinyl Pool |
|---|---|
| Pool Area | 400 sqft |
| Porch | Porch |
| Porch Area | 204 sqft |
| Deck Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 417 SPRING OAK DR |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28147-7322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L39 |
| Legal Subdivision | SOUTHERN SPRINGS |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | LOCKE |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 51201 |
Source: Rowan County records · APN 478 041
Assessment roll updated August 8, 2025 · Last verified April 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 | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 09, 2022 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jan 06, 2021 | Deed of Trust, Mortgage · SBA Mortgage READY CAPITAL CORP |
| Jan 06, 2021 | Deed of Trust, Mortgage · SBA Mortgage READY CAPITAL CORP |
| Nov 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Jan 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 16, 2018 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| May 12, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 28, 2021 · Amount on Record |
| Deed Sale | Jan 28, 2021 · Amount on Record |
| Prior Sale | Mar 16, 2018 · Amount on Record |
| Deed Book / Page | 1366 / 865 |
| Prior Transfer Date | May 08, 2017 |
| Prior Transfer Doc | 0012890717 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2022 |
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0014010583 |
|---|---|
| Date | May 09, 2022 |
| Book Page | 1401/583 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | WHITEVILLE, NC 28472 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0013650198 |
|---|---|
| Date | Jan 06, 2021 |
| Book Page | 1365/198 |
| Name | READY CAPITAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | BERKELEY HEIGHTS, NJ 07922 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 04, 2046 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0013650199 |
|---|---|
| Date | Jan 06, 2021 |
| Book Page | 1365/199 |
| Name | READY CAPITAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | BERKELEY HEIGHTS, NJ 07922 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jan 04, 2031 |
| Rate | 2.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013610154 |
|---|---|
| Date | Nov 17, 2020 |
| Book Page | 1361/154 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jan 28, 2021 |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0013660865 |
| Book / Page | 1366 / 865 |
| Map Reference | MB 9995 PG 1921 |
| Instrument Date | Jan 17, 2021 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Title Company | MASTER TITLE AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $650.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 515 GREEN HERON DR SW, 515, SOUTH BRUNSWICK, NC 28470 |
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 1366866 |
|---|---|
| Date | Jan 28, 2021 |
| Instrument | 1366/866 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Mar 16, 2018 |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0013050909 |
| Book / Page | 1305 / 0909 |
| Map Reference | PG 1921 |
| Instrument Date | Mar 13, 2018 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $350.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 276 JJ GUFFEY RD, 276, RUTHERFORDTON, NC 28139-7480 |
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 13050910 |
|---|---|
| Date | Mar 16, 2018 |
| Instrument | 1305/0910 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 12, 2017 |
| Property Address | 417 SPRING OAK DR, SALISBURY, NC 28147-7322 |
| Document Number | 0012890717 |
| Book / Page | 001289 / 000717 |
| Instrument Date | May 08, 2017 |
| Transaction Type | Transfer |
| Record Updated | May 25, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 417 SPRING OAK DR SALISBURY NC 281477322, SALISBURY, NC 28147-7322 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| 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 | $2,196.00 | $324,223 (-) Land $30,000 Building $294,223 | |
| 2023 | $2,196.00 | $324,223 Land $30,000 Building $294,223 | $324,223 Land $30,000 Building $294,223 |
Source: FEMA National Flood Hazard Layer, Rowan County (37159C), updated May 10, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 32% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 2,778 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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