685 Waters Rd, Salisbury, NC 28146 Property Records

Rowan County property record for 685 Waters Rd, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	3 ba · 4,624 sqft · built 1991
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$221,000 (Jul 2019)
Tax Bill	$5,056 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`614 054`

Property Details

APN / Parcel Number

Primary APN	`614 054`
Alternative APN	`6251494`

Interior

Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	4,624 sqft Living Area
1st Floor Area	2,312 sqft
Basement Area	2,312 sqft
Finished Basement	2,312 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2015
Exterior Material	Brick
Lot Area	27,878 sqft (0.64 acres)
Garage Area	600 sqft

Exterior Amenities

Porch	Porch
Porch Area	520 sqft
Deck Area	186 sqft
Gazebo	Gazebo

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	685 WATERS RD
City	SALISBURY
State	NC
Zip	28146-7986
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.64AC L2
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 · APN 614 054

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	685 WATERS RD, SALISBURY, NC 28146-7986
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Jul 01, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Sep 06, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2019 · Amount on Record
Deed Sale	Jul 01, 2019 · Amount on Record
Prior Sale	Jul 02, 2004 · Amount on Record
Deed Book / Page	1330 / 254
Prior Transfer Date	Aug 13, 2018
Prior Transfer Doc	0013150344
Record Updated	Jun 08, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	685 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Aug 24, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013470421
Date	Apr 28, 2020
Book Page	1347/421

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	685 WATERS RD, SALISBURY, NC 28146-7986
Transaction Type	Mortgage
Record Updated	Aug 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013630716
Date	Dec 22, 2020
Book Page	1363/716

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2051

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 01, 2019
Property Address	685 WATERS RD, SALISBURY, NC 28146-7986
Document Number	0013300254
Book / Page	001330 / 000254
Instrument Date	Jul 01, 2019
Transaction Type	Transfer
Record Updated	Jul 09, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$442.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 WATERS RD SALISBURY NC 281467986, SALISBURY, NC 28146-7986

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 06, 2018
Property Address	685 WATERS RD, SALISBURY, NC 28146-7986
Document Number	0013150344
Book / Page	001315 / 000344
Instrument Date	Aug 13, 2018
Transaction Type	Transfer
Record Updated	Sep 17, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	685 WATERS RD SALISBURY NC 281467986, SALISBURY, NC 28146-7986

Tax Assessment & Valuation

Source: Rowan County records · Assessment roll updated August 8, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$5,056.00	$796,274 (-) Land $125,000 Building $671,274
2023	$5,056.00	$796,274 Land $125,000 Building $671,274	$796,274 Land $125,000 Building $671,274

Flood & Wildfire

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

Flood

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

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 98.5% 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.

Internet Providers

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

May also be available: AT&T.

Based on FCC filings for 69 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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