866 Sunset Pointe Dr, Salisbury, NC 28146 Property Records

Rowan County property record for 866 Sunset Pointe Dr, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,426 sqft · built 2014
Lot Size	0.48 acres (20,909 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jun 2019)
Tax Bill	$2,882 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`606H036`

Property Details

APN / Parcel Number

Primary APN	`606H036`
Alternative APN	`6330945`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,426 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2016
Exterior Material	Composition/Composite
Lot Area	20,909 sqft (0.48 acres)
Storage Building	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	866 SUNSET POINTE DR
City	SALISBURY
State	NC
Zip	28146-5714
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L85 .48AC
Legal Subdivision	SUNSET POINTE AT HIGH ROCK LAKE
Jurisdiction	ROWAN NC
Township / Civil Division	PROVIDENCE
Census Block Group	1
Census Block	1025
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	Individual Name on Record
Mailing Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Deed of Trust, Mortgage · Line of Credit P N C BANK NA
May 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Jun 27, 2019	Warranty Deed, Transfer · ARM COGENT BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 27, 2019 · Amount on Record
Deed Sale	Jun 27, 2019 · Amount on Record
Prior Sale	Jul 26, 2013 · Amount on Record
Deed Book / Page	1329 / 986
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Recording Date	Apr 14, 2026
Property Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714
Document Number	1481000082
Book / Page	1481 / 82
Instrument Date	Mar 27, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714

Mortgage

Document Number	1481000082,
Date	Apr 14, 2026
Book Page	1481/82

Lender

Name	P N C BANK NA

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 15, 2066

Interest

Rate	5.98%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714
Transaction Type	Mortgage
Record Updated	Jun 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013750231
Date	May 18, 2021
Book Page	1375/231

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

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

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Jun 27, 2019
Property Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714
Document Number	0013290986
Book / Page	1329 / 0986
Map Reference	MB 9995 PG 5744
Instrument Date	Jun 27, 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	$640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8110 COTTSBROOKE DRIVE, 8110, HENRIETTA, NC 28076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	866 SUNSET POINTE DR, SALISBURY, NC 28146-5714

Mortgage

Document Number	13290987
Date	Jun 27, 2019
Instrument	1329/0987

Lender

Name	COGENT BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.37%
Index	1-Year LIBOR
Max Rate	9.37%

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	$2,882.00	$431,900 (-) Land $45,000 Building $386,900	$431,900 (-) Land $45,000 Building $386,900
2025	$2,882.00	$431,900 (-) Land $45,000 Building $386,900
2023	$2,882.00	$431,900 Land $45,000 Building $386,900	$431,900 Land $45,000 Building $386,900

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	9 in force
Nearby Flood Claims	1 (2003)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Mar 2003 · rainfall accumulation

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 52 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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