640 Waters Rd, Salisbury, NC 28146 Property Records

Rowan County property record for 640 Waters Rd, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	4.5 ba · 4,892 sqft · built 1999
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$850,000 (Apr 2021)
Tax Bill	$5,399 (2026)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`614 061`

Property Details

APN / Parcel Number

Primary APN	`614 061`
Alternative APN	`6338504`

Interior

Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	4,892 sqft Living Area
1st Floor Area	2,352 sqft
Basement Area	2,352 sqft
Finished Basement	2,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 2015
Exterior Material	Wood Siding
Lot Area	31,799 sqft (0.73 acres)
Garage Type	Detached
Garage Area	960 sqft
Porch	Porch
Porch Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	640 WATERS RD
City	SALISBURY
State	NC
Zip	28146-7986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.73AC LT9
Legal Subdivision	WATERS EDGE
Legal Lot Number	9
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	2
Census Block	2021
Census Tract	50901

Owner

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	2 Individual Names on Record
Mailing Address	640 WATERS RD, SALISBURY, NC 28146-7986
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Apr 30, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Mar 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on Record
Deed Sale	Apr 30, 2021 · Amount on Record
Prior Sale	Sep 4, 2015 · Amount on Record
Deed Book / Page	1374 / 105
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	640 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Jul 7, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014250555
Date	Jun 27, 2023
Book Page	1425/555

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jul 11, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Apr 30, 2021
Property Address	640 WATERS RD, SALISBURY, NC 28146-7986
Document Number	0013740105
Book / Page	1374 / 105
Map Reference	MB 9995 PG 1582
Instrument Date	Apr 30, 2021
Transaction Type	Transfer
Record Updated	Sep 15, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	270 FORESAIL RD, 270, SALISBURY, NC 28146-9467

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 WATERS RD, SALISBURY, NC 28146-7986

Mortgage

Document Number	1374106
Date	Apr 30, 2021
Instrument	1374/106

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	640 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013620671
Date	Dec 9, 2020
Book Page	1362/671

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jan 1, 2031

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	640 WATERS RD, SALISBURY, NC 28146-7986
Document Number	0012870977
Book / Page	001287 / 000977
Instrument Date	Mar 29, 2017
Transaction Type	Mortgage
Record Updated	May 5, 2017
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	640 WATERS RD SALISBURY NC 281467986, SALISBURY, NC 28146-7986

Mortgage

Document Number	0012870977
Date	Apr 10, 2017
Book Page	001287/000977

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 9, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,399.00	$850,254 (-) Land $175,000 Building $675,254	$850,254 (-) Land $175,000 Building $675,254
2023	$5,399.00	$850,254 Land $175,000 Building $675,254	$850,254 Land $175,000 Building $675,254

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

Flood

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	6 in force
Nearby Flood Claims	1 (1996)
Most Recent Claim	Sep 1996 · tidal / storm surge

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

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

Wildfire Risk	Low lower than 65% of the US · above 48% of North Carolina
Wildfire Likelihood	0.04% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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