910 Emerald Bay Dr, Salisbury, NC 28146 Property Records

Rowan County property record for 910 Emerald Bay Dr, Salisbury, NC 28146

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,014 sqft · built 2003
Lot Size	1.21 acres (52,708 sqft)
Owner	2 Individual Names on Record
Last Sale	$81,000 (May 2002)
Tax Bill	$3,297 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`503B010`

Property Details

APN / Parcel Number

Primary APN	`503B010`
Alternative APN	`6225940`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,014 sqft Living Area
1st Floor Area	2,014 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Aluminum/Vinyl
Lot Area	52,708 sqft (1.21 acres)
Garage Area	624 sqft
Porch	Porch
Porch Area	340 sqft
Storage Building	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	910 EMERALD BAY DR
City	SALISBURY
State	NC
Zip	28146-1592
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	L32 1.21AC
Legal Subdivision	EMERALD BAY SUBDIVISION
Jurisdiction	ROWAN NC
Township / Civil Division	MORGAN
Census Block Group	3
Census Block	3002
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	2 Individual Names on Record
Mailing Address	910 EMERALD BAY DR, SALISBURY, NC 28146-1592
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 15, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2002 · Amount on Record
Deed Sale	May 14, 2002 · Amount on Record
Deed Book / Page	940 / 617
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	910 EMERALD BAY DR, SALISBURY, NC 28146-1592
Transaction Type	Mortgage
Record Updated	Jun 23, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013770283
Date	Jun 15, 2021
Book Page	1377/283

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	910 EMERALD BAY DR, SALISBURY, NC 28146-1592
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0013540696
Date	Aug 18, 2020
Book Page	1354/696

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	910 EMERALD BAY DR, SALISBURY, NC 28146-1592
Document Number	0012900046
Book / Page	001290 / 000046
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	910 EMERALD BAY DR SALISBURY NC 281461592, SALISBURY, NC 28146-1592

Mortgage

Document Number	0012900046
Date	May 18, 2017
Book Page	001290/000046

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 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	$3,297.00	$492,186 (-) Land $175,000 Building $317,186	$492,186 (-) Land $175,000 Building $317,186
2023	$3,297.00	$492,186 Land $175,000 Building $317,186	$492,186 Land $175,000 Building $317,186

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

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 97% of the US · lower than 98.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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