505 Garner Dr, Salisbury, NC 28146 Property Records

Rowan County property record for 505 Garner Dr, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,798 sqft · built 2009
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Jul 2017)
Tax Bill	$3,439 (2026)
Deeds & Mortgages	Jul 2018 Line of Credit Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`403G239`

Property Details

APN / Parcel Number

Primary APN	`403G239`
Alternative APN	`6270997`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,798 sqft Living Area
1st Floor Area	1,798 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Area	462 sqft
Porch	Porch
Porch Area	140 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	505 GARNER DR
City	SALISBURY
State	NC
Zip	28146-6333
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L233 .13AC
Legal Subdivision	KEPLEY FARMS PHASE 2
Legal Tract	233
Jurisdiction	ROWAN NC
Township / Civil Division	LITAKER
Census Block Group	3
Census Block	3063
Census Tract	50202

Owner

505 Garner Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	505 GARNER DR, SALISBURY, NC 28146-6333
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.

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2018	Deed of Trust, Mortgage · Line of Credit SUNTRUST BANK
Jul 31, 2017	Warranty Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2017 · Amount on File
Deed Sale	Jul 31, 2017 · Amount on File
Prior Sale	Oct 1, 2010 · Amount on File
Deed Book / Page	1293 / 963
Record Updated	Oct 29, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	505 GARNER DR, SALISBURY, NC 28146-6333
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013130014
Date	Jul 25, 2018
Book Page	1313/0014

Lender

Name	SUNTRUST BANK
Type	Bank
Address	DURHAM, NC 27701

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 31, 2017
Property Address	505 GARNER DR, SALISBURY, NC 28146-6333
Document Number	0012930963
Book / Page	1293 / 0963
Map Reference	MB 9995 PG 6013
Instrument Date	Jul 25, 2017
Transaction Type	Transfer
Record Updated	Aug 23, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1194 ENGLISH SPARROW TRL, 1194, HIGHLANDS RANCH, CO 80129-6225

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	505 GARNER DR, SALISBURY, NC 28146-6333

Mortgage

Document Number	0012930964
Date	Jul 31, 2017
Instrument	1293/0964

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 505 Garner Dr was $3,439.

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	$3,439.00	$287,576 Land $34,000 Building $253,576	$287,576 Land $34,000 Building $253,576
2023	$3,439.00	$287,576 Land $34,000 Building $253,576	$287,576 Land $34,000 Building $253,576

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

Flood

FEMA maps place 505 Garner 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 505 Garner Dr is low, with a 0.03% 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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 152 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

Nearby Properties on Garner Dr

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