Rowan County property record for 495 Lake Pointe Ln, Salisbury, NC 28146
| Property Type | Single Family Home |
|---|---|
| Details | 4.5 ba · 3,325 sqft · built 1996 |
| Lot Size | 1.27 acres (55,321 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $650,000 (Nov 2021) |
| Tax Bill | $4,884 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Jun 2021 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 644 136 |
| Primary APN | 644 136 |
|---|---|
| Alternative APN |
|
| Full Baths | 4.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,325 sqft Living Area |
| 1st Floor Area | 1,522 sqft |
| Basement Area | 761 sqft |
| Finished Basement | 761 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 55,321 sqft (1.27 acres) |
| Garage Area | 967 sqft |
| Porch | Porch |
| Porch Area | 568 sqft |
| Deck Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 495 LAKE POINTE LN |
|---|---|
| City | SALISBURY |
| State | NC |
| Zip | 28146-6932 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | L6 1.27AC LAKE POINTE |
| Legal Subdivision | LAKE POINTE |
| Jurisdiction | ROWAN NC |
| Township / Civil Division | PROVIDENCE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 50903 |
Source: Rowan County records · APN 644 136
Assessment roll updated August 8, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
| Date | Document |
|---|---|
| Nov 03, 2021 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Jun 29, 2021 | Warranty Deed, Transfer |
| Jun 04, 2020 | Deed of Trust, Mortgage · Line of Credit COGENT BANK |
| Aug 02, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 03, 2021 · Amount on Record |
| Deed Sale | Nov 03, 2021 · Amount on Record |
| Deed Book / Page | 1387 / 889 |
| Prior Transfer Date | Jul 19, 2018 |
| Prior Transfer Doc | 0013130501 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Nov 03, 2021 |
| Property Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Document Number | 0013870889 |
| Book / Page | 1387 / 889 |
| Map Reference | PG 2597 |
| Instrument Date | Oct 14, 2021 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 435 LAKE POINTE LN, 435, SALISBURY, NC 28146-6932 |
| Name | Verified Name |
|---|---|
| Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Document Number | 1387890 |
|---|---|
| Date | Nov 03, 2021 |
| Instrument | 1387/890 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Jun 29, 2021 |
| Property Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Document Number | 0013780428 |
| Book / Page | 1378 / 428 |
| Map Reference | MB 9995 PG 633 |
| Instrument Date | Jun 21, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 495 LAKE POINTE LN, 495, SALISBURY, NC 28146-6932 |
| Name | Verified Name |
|---|---|
| Address | 480 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ROWAN NC |
| Property Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0013490593 |
|---|---|
| Date | Jun 04, 2020 |
| Book Page | 1349/593 |
| Name | COGENT BANK |
|---|---|
| Type | Bank |
| Address | SALISBURY, NC 28147 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 239 Months |
| Due | May 11, 2040 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ROWAN NC |
| Recording Date | Aug 02, 2018 |
| Property Address | 495 LAKE POINTE LN, SALISBURY, NC 28146-6932 |
| Document Number | 0013130501 |
| Book / Page | 001313 / 000501 |
| Instrument Date | Jul 19, 2018 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 495 LAKE POINTE LN SALISBURY NC 281466932, SALISBURY, NC 28146-6932 |
Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Rowan County |
| Unified School District | Rowan-Salisbury Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,884.00 | $740,065 (-) Land $218,750 Building $521,315 | |
| 2023 | $4,884.00 | $740,065 Land $218,750 Building $521,315 | $740,065 Land $218,750 Building $521,315 |
Source: FEMA National Flood Hazard Layer as of May 10, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 | 2 in force |
| Nearby Flood Claims | 1 (1983) |
| Most Recent Claim | Aug 1983 · rainfall accumulation |
| Wildfire Risk | Low lower than 96% of the US · lower than 97.9% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
Based on FCC filings for 17 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FISHERMAN`S COVE WATER SYSTEM private · serves 359 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Apr 2025 |
| Lead | 12 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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