Rowan County property record for 428 Elm St, Salisbury, NC 28144
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,104 sqft · built 1949 |
| Lot Size | 0.137 acres (5,968 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (Oct 2024) |
| Tax Bill | $1,610 (2026) |
| Deeds & Mortgages | May 2024 Sale & Construction Loan May 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 013 200 |
| Primary APN | 013 200 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 1,104 sqft Living Area |
| 1st Floor Area | 1,104 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Lot Area | 5,968 sqft (0.137 acres) |
| Lot Dimensions | 11.9 ft deep x 5 ft wide |
| Porch | Porch |
| Porch Area | 168 sqft |
| Storage Building | Storage Building |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 428 ELM ST |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28144-6122 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L 8 MRS. E. A. NAIL |
| Legal Subdivision | PROPERTY/MRS EA NAIL SALISBURY |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | SALISBURY |
| Census Block Group | 2 |
| Census Block | 2018 |
| 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.
428 Elm St is owned and occupied by two individuals who bought it in October 2024.
Source: Rowan County records, as of October 9, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 428 ELM ST, SALISBURY, NC 28144-6122 |
| 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.
| Date | Document |
|---|---|
| May 1, 2024 | Warranty Deed, Construction Loan · Construction Mortgage STRAIGHTLINE FUNDING LLC |
| May 1, 2024 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2024 · Amount on File |
| Deed Sale | Oct 22, 2024 · Amount on File |
| Prior Sale | May 1, 2024 · Amount on File |
| Deed Book / Page | 1450 / 826 |
| Prior Transfer Date | Sep 11, 2009 |
| Prior Transfer Doc | 0011490489 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 1, 2024 |
| Property Address | 428 ELM ST, SALISBURY, NC 28144-6122 |
| Document Number | 0014410452 |
| Book / Page | 1441 / 452 |
| Map Reference | MB 1 PG 158 |
| Instrument Date | May 1, 2024 |
| Transaction Type | Construction Loan |
| Record Updated | May 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $200.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6201 FAIRVIEW RD STE 200, 200, CHARLOTTE, NC 28210-3297 |
| Name | Verified Name |
|---|---|
| Address | 426 WOODCREST LN, ALBEMARLE, NC 28001-6708 |
| Investor | Possibly a Property Investor |
| Document Number | 0001441453 |
|---|---|
| Date | May 1, 2024 |
| Instrument | 1441/453 |
| Name | STRAIGHTLINE FUNDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 9 Months |
| Due | Feb 1, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | May 1, 2024 |
| Property Address | 428 ELM ST, SALISBURY, NC 28144-6122 |
| Document Number | 0014410448 |
| Book / Page | 1441 / 448 |
| Map Reference | PG 158 |
| Instrument Date | Apr 29, 2024 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Amount | Amount on Record |
|---|---|
| Tax | $136.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2331 LAKESIDE DR LOT 12, 12, LYNCHBURG, VA 24501-6748 |
| Name | Verified Name |
|---|---|
| Address | 6201 FAIRVIEW RD STE 200, 200, CHARLOTTE, NC 28210-3297 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 428 Elm St was $1,610.
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 | $1,610.00 | $134,689 Land $15,300 Building $119,389 | $134,689 Land $15,300 Building $119,389 |
| 2023 | $1,272.00 | $106,408 Land $15,300 Building $91,108 | $106,408 Land $15,300 Building $91,108 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 428 Elm St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 500 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.
Wildfire risk around 428 Elm St is low, with a 0.01% 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 | 0.01% 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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