938 Cedar St, Salisbury, NC 28144 Property Records

Rowan County property record for 938 Cedar St, Salisbury, NC 28144

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,048 sqft · built 2023
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$227,000 (Dec 2023)
Tax Bill	$1,979 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Dec 2023 Second Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`024 003`

Property Details

APN / Parcel Number

Primary APN	`024 003`
Alternative APN	`6295788`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Living Area
1st Floor Area	864 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	158 ft deep x 50 ft wide
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	938 CEDAR ST
City	SALISBURY
State	NC
Zip	28144-6743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1:SINGLE
Legal Description	.27AC
Jurisdiction	ROWAN NC
Township / Civil Division	SALISBURY
Census Block Group	2
Census Block	2001
Census Tract	50800

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	938 CEDAR ST, SALISBURY, NC 28144-6743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2023	Deed of Trust, Mortgage · Commercial Mortgage MCU FINANCIAL CENTER CU
Dec 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY
Dec 15, 2023	Warranty Deed, Subdivision Related Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Oct 5, 2022	Intrafamily Transfer, Transfer
Sep 9, 2022	Warranty Deed, Transfer SOUTH MIAMI TITLE COMPANY, SOUTH CITY TITLE COMPANY
Mar 22, 2022	Warranty Deed, Transfer
Dec 3, 2019	Grant Deed, Transfer NOT AVAILABLE
Jul 25, 2019	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Sep 9, 2022 · Amount on Record
Deed Book / Page	1434 / 531
Prior Transfer Date	Oct 4, 2022
Prior Transfer Doc	0014110328
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12508 TANNERS CT, CHARLOTTE, NC 28262-1595

Mortgage

Document Number	0014260693
Date	Jul 19, 2023
Book Page	1426/693

Lender

Name	MCU FINANCIAL CENTER CU
Type	Credit Union
Address	CLEVELAND, OH 44114

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Aug 1, 2024

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROWAN NC
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Transaction Type	Mortgage
Record Updated	Dec 29, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 CEDAR ST, SALISBURY, NC 28144-6743

Mortgage

Document Number	0014340533
Date	Dec 15, 2023
Book Page	1434/533

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 14, 2038

December 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 15, 2023
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0014340531
Book / Page	1434 / 531
Instrument Date	Dec 11, 2023
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$454.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12508 TANNERS CT, CHARLOTTE, NC 28262-1595

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001434532
Date	Dec 15, 2023
Instrument	1434/532

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0014340533
Date	Dec 15, 2023
Book Page	1434/533

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 14, 2038

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROWAN NC
Recording Date	Oct 5, 2022
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0014110328
Book / Page	1411 / 328
Instrument Date	Oct 4, 2022
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12508 TANNERS CT, CHARLOTTE, NC 28262-1595

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12508 TANNERS CT, CHARLOTTE, NC 28262-1595

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Sep 9, 2022
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0014090659
Book / Page	1409 / 659
Instrument Date	Sep 8, 2022
Transaction Type	Transfer
Record Updated	Oct 10, 2023
Title Company	SOUTH MIAMI TITLE COMPANY, SOUTH CITY TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$39.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5388 OPHELA CT SW, CONCORD, NC 28027-3924

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12508 TANNERS CT, CHARLOTTE, NC 28262-1595

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROWAN NC
Recording Date	Mar 22, 2022
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0013980069
Book / Page	1398 / 69
Instrument Date	Mar 15, 2022
Transaction Type	Transfer
Record Updated	Oct 10, 2023

Transaction

Amount	Amount Recorded
Tax	$17.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 2092, MATTHEWS, NC 28106-2092

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5388 OPHELA CT SW, CONCORD, NC 28027-3924

December 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROWAN NC
Recording Date	Dec 3, 2019
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0013390049
Book / Page	001339 / 000049
Instrument Date	Dec 3, 2019
Transaction Type	Transfer
Record Updated	Dec 13, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	PO BOX 2092 MATTHEWS NC 281062092, MATTHEWS, NC 28106-2092

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ROWAN NC
Recording Date	Jul 25, 2019
Property Address	938 CEDAR ST, SALISBURY, NC 28144-6743
Document Number	0013310549
Book / Page	001331 / 000549
Instrument Date	Jul 19, 2019
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	938 CEDAR ST SALISBURY NC 281446743, SALISBURY, NC 28144-6743

Tax Assessment & Valuation

Source: Rowan County assessment roll, as of August 25, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,979.00	$159,598 (-) Land $19,250 Building $140,348	$159,598 (-) Land $19,250 Building $140,348
2025	$1,979.00 (+731.51%)	$159,598 (+729.08%) Land $19,250 Building $140,348
2023	$238.00	$19,250 Land $19,250	$159,598 Land $19,250 Building $140,348

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF EAST SPENCER serves 1,550 people · EPA ID NC0180060
Water Source	Purchased surface water from SALISBURY-ROWAN
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 105 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Hotwire Communications, T-Mobile.

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