655 Waters Rd, Salisbury, NC 28146 Property Records

Rowan County property record for 655 Waters Rd, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	4 ba · 4,486 sqft · built 2000
Lot Size	0.91 acres (39,640 sqft)
Owner	2 Individual Names on Record
Last Sale	$520,000 (Dec 2019)
Tax Bill	$4,540 (2026)
Deeds & Mortgages	Jul 2023 Line of Credit Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`614 162`

Property Details

APN / Parcel Number

Primary APN	`614 162`
Alternative APN	`6293418`

Interior

Full Baths	4 Baths
Stories	1 Story
Building Area	4,486 sqft Living Area
1st Floor Area	1,449 sqft
Basement Area	1,449 sqft
Finished Basement	1,449 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2015
Exterior Material	Aluminum/Vinyl
Lot Area	39,640 sqft (0.91 acres)
Garage Area	460 sqft
Porch	Porch
Porch Area	33 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	655 WATERS RD
City	SALISBURY
State	NC
Zip	28146-7986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L1 WATERS EDGE SEC 5
Legal Subdivision	WATERS EDGE
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	655 WATERS RD, SALISBURY, NC 28146-7986
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 18, 2023	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jan 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Feb 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage SOUTH STATE BANK
Jan 28, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Jul 17, 2020	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Dec 20, 2019	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2019 · Amount on Record
Deed Sale	Dec 20, 2019 · Amount on Record
Prior Sale	Dec 12, 2008 · Amount on Record
Deed Book / Page	1340 / 183
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0014260594
Date	Jul 18, 2023
Book Page	1426/594

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013930110
Date	Jan 14, 2022
Book Page	1393/110

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013040933
Date	Feb 28, 2018
Book Page	1304/0933

Lender

Name	SOUTH STATE BANK
Type	Bank
Address	CHARLESTON, SC 29406

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013420325
Date	Jan 28, 2020
Book Page	1342/0325

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	HARRISBURG, NC 28075

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013520517
Date	Jul 17, 2020
Book Page	1352/517

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 20, 2019
Property Address	655 WATERS RD, SALISBURY, NC 28146-7986
Document Number	0013400183
Book / Page	1340 / 0183
Map Reference	MAP 9995 PG 2900
Instrument Date	Dec 20, 2019
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4720 LEONARD RD, 4720, SALISBURY, NC 28146-1430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 WATERS RD, SALISBURY, NC 28146-7986

Mortgage

Document Number	13400184
Date	Dec 20, 2019
Instrument	1340/0184

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Jan 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

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	$4,540.00	$714,966 (-) Land $100,000 Building $614,966	$714,966 (-) Land $100,000 Building $614,966
2023	$4,540.00	$714,966 Land $100,000 Building $614,966	$714,966 Land $100,000 Building $614,966

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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