645 Varnadore Rd, Salisbury, NC 28146 Property Records

Rowan County property record for 645 Varnadore Rd, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,612 sqft · built 1978
Lot Size	0.82 acres (35,719 sqft)
Owner	Individual Name on Record
Tax Bill	$1,209 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`634 068`

Property Details

APN / Parcel Number

Primary APN	`634 068`
Alternative APN	`18189`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,612 sqft Living Area
1st Floor Area	1,372 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Exterior Material	Brick
Lot Area	35,719 sqft (0.82 acres)
Garage Area	280 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	608 sqft
Porch	Porch
Porch Area	85 sqft
Storage Building	Storage Building

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	645 VARNADORE RD
City	SALISBURY
State	NC
Zip	28146-8174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.82AC
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	2
Census Block	2017
Census Tract	50903

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	Individual Name on Record
Mailing Address	645 VARNADORE RD, SALISBURY, NC 28146-8174
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 7, 2023	Deed of Trust, Mortgage · Conventional Mortgage SKYLA FCU
Dec 1, 2022	Deed of Trust, Mortgage · Line of Credit CHARLOTTE METRO FCU
Aug 18, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 27, 2012
Transfer Doc	0012010571
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	645 VARNADORE RD, SALISBURY, NC 28146-8174
Transaction Type	Mortgage
Record Updated	Nov 7, 2025
Title Company	UNKNOWN, ROCKET CLOSE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 VANADORE RD, SALISBURY, NC 28146-8174

Mortgage

Document Number	0014710460
Date	Oct 27, 2025
Book Page	1471/460

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	645 VARNADORE RD, SALISBURY, NC 28146-8174
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 VARNADORE RD, SALISBURY, NC 28146-8174

Mortgage

Document Number	0014270661
Date	Aug 7, 2023
Book Page	1427/661

Lender

Name	SKYLA FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	645 VARNADORE RD, SALISBURY, NC 28146-8174
Transaction Type	Mortgage
Record Updated	Dec 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014140533
Date	Dec 1, 2022
Book Page	1414/533

Lender

Name	CHARLOTTE METRO FCU
Type	Credit Union
Address	CHARLOTTE, NC 28204

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Aug 18, 2020
Property Address	645 VARNADORE RD, SALISBURY, NC 28146-8174
Document Number	0013540632
Book / Page	001354 / 000632
Instrument Date	Aug 12, 2020
Transaction Type	Transfer
Record Updated	Sep 3, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	645 VARNADORE RD SALISBURY NC 281468174, SALISBURY, NC 28146-8174

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	$1,209.00	$180,453 (-) Land $32,718 Building $147,735	$180,453 (-) Land $32,718 Building $147,735
2025	$1,209.00	$180,453 (-) Land $32,718 Building $147,735
2023	$1,209.00	$180,453 Land $32,718 Building $147,735	$180,453 Land $32,718 Building $147,735

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.05% 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 59 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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