6870 Lowder Rd, Salisbury, NC 28147 Property Records

Rowan County property record for 6870 Lowder Rd, Salisbury, NC 28147

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 2,516 sqft · built 1969
Lot Size	2.34 acres (101,930 sqft)
Owner	2 Individual Names on Record
Last Sale	$480,000 (Jun 2026)
Tax Bill	$2,388 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage May 2026 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`754 044`

Property Details

APN / Parcel Number

Primary APN	`754 044`
Alternative APN	`97377500`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,516 sqft Living Area
1st Floor Area	2,516 sqft

Exterior

Year Built	Built 1969
Effective Year Built	Effective 2005
Exterior Material	Brick
Lot Area	101,930 sqft (2.34 acres)
Garage Type	Detached
Garage Area	506 sqft

Exterior Amenities

Pool Type	In-Ground Vinyl Pool
Pool Area	512 sqft
Deck Area	434 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	6870 LOWDER RD
City	SALISBURY
State	NC
Zip	28147-8583
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	2.34AC
Legal Subdivision	CHARLES WILLIAM RUFTY PROP
Jurisdiction	ROWAN NC
Township / Civil Division	STEELE
Census Block Group	1
Census Block	1054
Census Tract	51901

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	6870 LOWDER RD, SALISBURY, NC 28147-8583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
May 8, 2026	Deed of Trust, Mortgage · Construction Mortgage CROSSCOUNTRY MORTGAGE
Feb 22, 2024	Deed of Trust, Mortgage · FHA Mortgage EMM LOANS LLC
Feb 22, 2023	Warranty Deed, Transfer
Jul 21, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Prior Sale	Feb 22, 2023 · Amount on Record
Deed Book / Page	1485 / 625
Prior Transfer Date	Dec 2, 2008
Prior Transfer Doc	0011330874
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 22, 2026
Property Address	6870 LOWDER RD, SALISBURY, NC 28147-8583
Document Number	1485000625
Book / Page	1485 / 625
Instrument Date	Jun 18, 2026
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,960.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

Mortgage

Document Number	1485000626,
Date	Jun 22, 2026
Book Page	1485/626

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.72%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	May 8, 2026
Property Address	6870 LOWDER RD, SALISBURY, NC 28147-8583
Document Number	1482000712
Book / Page	1482 / 712
Instrument Date	May 4, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLU

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

Mortgage

Document Number	1482000712,
Date	May 8, 2026
Book Page	1482/712

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	5 Months
Due	Oct 1, 2026

Interest

Rate	6.46%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	6870 LOWDER RD, SALISBURY, NC 28147-8583
Transaction Type	Mortgage
Record Updated	Mar 1, 2024
Title Company	SECURITY SETTLEMENT SERVICES INC, EQUITY SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

Mortgage

Document Number	0014370512
Date	Feb 22, 2024
Book Page	1437/512

Lender

Name	EMM LOANS LLC
Type	Mortgage Company
Address	CHERRY HILL, NJ 08003

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Feb 22, 2023
Property Address	6870 LOWDER RD, SALISBURY, NC 28147-8583
Document Number	0014180607
Book / Page	1418 / 607
Instrument Date	Feb 7, 2023
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount Recorded
Tax	$4.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 21, 2017
Property Address	6870 LOWDER RD, SALISBURY, NC 28147-8583
Document Number	0012930407
Book / Page	1293 / 0407
Instrument Date	Jul 20, 2017
Transaction Type	Transfer
Record Updated	Oct 12, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	127 BLOSSOM RIDGE DR, 127, MOORESVILLE, NC 28117-5834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6870 LOWDER RD, SALISBURY, NC 28147-8583

Mortgage

Document Number	12930408
Date	Jul 21, 2017
Instrument	1293/0408

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

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	$2,388.00	$352,533 (-) Land $48,446 Building $304,087	$352,533 (-) Land $48,446 Building $304,087
2025	$2,388.00 (+14.48%)	$352,533 (+14.46%) Land $48,446 Building $304,087
2023	$2,086.00	$307,985 Land $48,446 Building $259,539	$352,533 Land $48,446 Building $304,087

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	0.04% annual chance
Exposure	Direct burnable vegetation

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 33 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: Hotwire Communications.

Cell Coverage

5G (outdoors only) and 4G LTE

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