470 Pepperstone Dr, Salisbury, NC 28146 Property Records

Rowan County property record for 470 Pepperstone Dr, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	3 ba · 2,378 sqft · built 2019
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Dec 2022)
Tax Bill	$5,095 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`403K013`

Property Details

APN / Parcel Number

Primary APN	`403K013`
Alternative APN	`6189131`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	2,378 sqft Living Area

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	470 PEPPERSTONE DR
City	SALISBURY
State	NC
Zip	28146-0008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L73 .20AC
Legal Subdivision	THE GABLES AT KEPLEY FARM
Jurisdiction	ROWAN NC
Township / Civil Division	LITAKER
Census Block Group	3
Census Block	3070
Census Tract	50202

Owner

470 Pepperstone Dr is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jun 19, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on File
Deed Sale	Dec 20, 2022 · Amount on File
Prior Sale	Jun 19, 2019 · Amount on File
Deed Book / Page	1415 / 564
Record Updated	Oct 29, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 20, 2022
Property Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008
Document Number	0014150564
Book / Page	1415 / 564
Map Reference	MB 9995 PG 8469
Instrument Date	Dec 6, 2022
Transaction Type	Transfer
Record Updated	Jan 2, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$860.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 SMITH ST, ALBEMARLE, NC 28001-3050

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008

Mortgage

Document Number	0001415565
Date	Dec 20, 2022
Instrument	1415/565

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.5%
Index	5-Year TN
Max Rate	11.5%

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008
Transaction Type	Mortgage
Record Updated	Dec 6, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013890410
Date	Nov 23, 2021
Book Page	1389/410

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	GRANITE QUARRY, NC 28072

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 19, 2019
Property Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008
Document Number	0013290583
Book / Page	1329 / 0583
Map Reference	MB 9995 PG 8469
Instrument Date	Jun 4, 2019
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 12, 2021
Title Company	UNITED SHORE FINCL SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$576.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	630 W RIDGE RD, 630, SALISBURY, NC 28147-8759

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 PEPPERSTONE DR, SALISBURY, NC 28146-0008

Mortgage

Document Number	13290584
Date	Jun 19, 2019
Instrument	1329/0584

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

Tax Assessment & Valuation

The 2026 property tax bill for 470 Pepperstone Dr was $5,095.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,095.00	$426,076 Land $34,000 Building $392,076	$426,076 Land $34,000 Building $392,076
2023	$5,095.00	$426,076 Land $34,000 Building $392,076	$426,076 Land $34,000 Building $392,076

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

Flood

FEMA maps place 470 Pepperstone Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

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

Wildfire risk around 470 Pepperstone Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 52% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	BROOKDALE DEVELOPMENT serves 81 people · EPA ID NC2013008
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 170 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Hotwire Communications Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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