420 Spring Oak Dr, Salisbury, NC 28147 Property Records

Rowan County property record for 420 Spring Oak Dr, Salisbury, NC 28147

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,380 sqft · built 1993
Lot Size	0.51 acres (22,216 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Nov 2019)
Tax Bill	$1,308 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`478 088`

Property Details

APN / Parcel Number

Primary APN	`478 088`
Alternative APN	`6272064`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,380 sqft Living Area
1st Floor Area	1,380 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Lot Area	22,216 sqft (0.51 acres)
Garage Area	660 sqft
Porch	Porch
Porch Area	215 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	420 SPRING OAK DR
City	SALISBURY
State	NC
Zip	28147-7322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR
Legal Description	L43 SOUTHERN SPRINGS
Legal Subdivision	MAP OF SOUTHERN SPRINGS
Jurisdiction	ROWAN NC
Township / Civil Division	LOCKE
Census Block Group	1
Census Block	1012
Census Tract	51201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	420 SPRING OAK DR, SALISBURY, NC 28147-7322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2019	Deed of Trust, Mortgage · ARM LOCAL GOVERNMENT FCU
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Nov 27, 2019	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Oct 13, 2006 · Amount on Record
Deed Book / Page	1338 / 864
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	420 SPRING OAK DR, SALISBURY, NC 28147-7322
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013230943
Date	Mar 5, 2019
Book Page	1323/0943

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	5 Years
Min Rate At Change	3.75%
Index	5-Year CMT
Margin	2
Max Rate	6%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	420 SPRING OAK DR, SALISBURY, NC 28147-7322
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013840291
Date	Sep 16, 2021
Book Page	1384/291

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2041

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Nov 27, 2019
Property Address	420 SPRING OAK DR, SALISBURY, NC 28147-7322
Document Number	0013380864
Book / Page	1338 / 0864
Map Reference	MAP 1921
Instrument Date	Nov 27, 2019
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	355 PLEASANT VILLAGE LN, 355, CHINA GROVE, NC 28023-6713

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	664 WYATT ROAD, GOLD HILL, NC 28071

Mortgage

Document Number	0013380865
Date	Nov 27, 2019
Book Page	1338/0865

Lender

Name	ZILLOW HOME LOANS LLC
Type	Mortgage Company
Address	LEAWOOD, KS 66211

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,308.00	$193,139 (-) Land $30,000 Building $163,139	$193,139 (-) Land $30,000 Building $163,139
2023	$1,308.00	$193,139 Land $30,000 Building $163,139	$193,139 Land $30,000 Building $163,139

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Hotwire Communications.

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