Rowan County property record for 425 Elm St, Salisbury, NC 28144
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,800 sqft · built 1917 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $119,000 (Jul 2019) |
| Tax Bill | $1,883 (2026) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2019 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 013 271 |
| Primary APN | 013 271 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,800 sqft Living Area |
| 1st Floor Area | 1,800 sqft |
| Basement Area | 1,800 sqft |
| Unfinished Basement | 1,800 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Wood Siding |
| Lot Area | 8,973 sqft (0.206 acres) |
| Lot Dimensions | 17.3 ft deep x 5.2 ft wide |
| Porch | Porch |
| Porch Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 425 ELM ST |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28144-6121 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 7 & PT 8 MRS. E. A. NAILS |
| Legal Subdivision | PROPERTY/E A NAILS |
| 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 | 425 ELM ST, SALISBURY, NC 28144-6121 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 23, 2023 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS & MERCHANTS BANK |
| Nov 27, 2019 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NAT'L BK |
| Jul 31, 2019 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2019 · Amount on Record |
| Deed Sale | Jul 31, 2019 · Amount on Record |
| Prior Sale | Nov 4, 1999 · Amount on Record |
| Deed Book / Page | 1331 / 960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 425 ELM ST, SALISBURY, NC 28144-6121 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Name | Verified Name |
|---|---|
| Address | 425 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0014230685 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 1423/685 |
| Name | FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 425 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013390023 |
| Instrument Date | Nov 27, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 425 ELM ST SALISBURY NC 281446121, SALISBURY, NC 28144-6121 |
| Document Number | 0013390023 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 001339/000023 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28144 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 2, 2034 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jul 31, 2019 |
| Property Address | 425 ELM ST, SALISBURY, NC 28144-6121 |
| Document Number | 0013310960 |
| Book / Page | 001331 / 000960 |
| Instrument Date | Jul 31, 2019 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $238.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 425 ELM ST SALISBURY NC 281446121, SALISBURY, NC 28144-6121 |
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 | $1,883.00 | $157,442 (-) Land $18,564 Building $138,878 | $157,442 (-) Land $18,564 Building $138,878 |
| 2023 | $1,883.00 | $157,442 Land $18,564 Building $138,878 | $157,442 Land $18,564 Building $138,878 |
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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