Rowan County property record for 421 Elm St, Salisbury, NC 28144
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 725 sqft · built 2000 |
| Lot Size | 0.199 acres (8,668 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $168,000 (Nov 2025) |
| Tax Bill | $1,415 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Aug 2023 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013 272 |
| Primary APN | 013 272 |
|---|---|
| Alternative APN |
|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 725 sqft Living Area |
| 1st Floor Area | 725 sqft |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Stucco |
| Lot Area | 8,668 sqft (0.199 acres) |
| Lot Dimensions | 17.3 ft deep x 5 ft wide |
| Porch | Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 128 sqft |
| Storage Building | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 421 ELM ST |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28144-6121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L6 MRS. E. A. NAILS |
| Legal Subdivision | MRS E A NAIL 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Nov 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC |
| Aug 2, 2023 | Intrafamily Transfer, Transfer |
| Jul 26, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Dec 22, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 25, 2025 · Amount on Record |
| Deed Sale | Nov 25, 2025 · Amount on Record |
| Prior Sale | Jul 26, 2019 · Amount on Record |
| Deed Book / Page | 1473 / 233 |
| Prior Transfer Date | Jul 20, 2023 |
| Prior Transfer Doc | 0014270466 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 25, 2025 |
| Property Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0014730233 |
| Book / Page | 1473 / 233 |
| Instrument Date | Nov 25, 2025 |
| Transaction Type | Transfer |
| Record Updated | Dec 10, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $336.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 414 SAINT JOHNS DR, SALISBURY, NC 28144-9048 |
| Name | Verified Name |
|---|---|
| Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0001473234 |
|---|---|
| Date | Nov 25, 2025 |
| Instrument | 1473/234 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Number | 0014730235 |
|---|---|
| Date | Nov 25, 2025 |
| Book Page | 1473/235 |
| Name | ALCOVA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ROANOKE, VA 24011 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 24, 2040 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 2, 2023 |
| Property Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0014270466 |
| Book / Page | 1427 / 466 |
| Instrument Date | Jul 20, 2023 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 414 SAINT JOHNS DR, SALISBURY, NC 28144-9048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jul 26, 2019 |
| Property Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013310606 |
| Book / Page | 001331 / 000606 |
| Instrument Date | Jul 26, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 5, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $188.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7055 US HIGHWAY 601 SALISBURY NC 281477712, SALISBURY, NC 28147-7712 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Dec 22, 2017 |
| Property Address | 421 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013010847 |
| Book / Page | 001301 / 000847 |
| Instrument Date | Dec 22, 2017 |
| Transaction Type | Transfer |
| Record Updated | Jan 3, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $150.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 421 ELM ST SALISBURY NC 281446121, SALISBURY, NC 28144-6121 |
| Document Number | 13010848 |
|---|---|
| Date | Dec 22, 2017 |
| Book Page | 001301/000848 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 21, 2047 |
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 | $1,415.00 | $118,354 (-) Land $17,850 Building $100,504 | $118,354 (-) Land $17,850 Building $100,504 |
| 2025 | $1,415.00 | $118,354 (-) Land $17,850 Building $100,504 | |
| 2023 | $1,415.00 (+33.11%) | $118,354 (+53.32%) Land $17,850 Building $100,504 | $118,354 (+53.32%) Land $17,850 Building $100,504 |
| 2022 | $1,063.00 | $77,193 Land $14,700 Building $62,493 | $77,193 Land $14,700 Building $62,493 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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