Trenton Sellers

540 Waters Road

Salisbury, NC
$ 699,000 Beds 4 Baths 2.5 Sq 3,235
Monthly Estimate* How much can I afford?

Alright, here’s the deal… lake houses on High Rock Lake are hard enough to find. One with actual water in front? That’s the unicorn. Sitting on 1.25 acres under towering trees and mature landscaping, this place was built for lake days, pool parties, and “accidentally” having your friends stay way too late. Featuring an in-ground pool, newer major systems, a boat ramp, and a pier permit already in place so you can skip the waiting game and get straight to living the lake life. Whether you’re into boating, entertaining, quiet mornings with coffee by the water, or just want a backyard that feels like a vacation, this one checks a lot of boxes without feeling cookie-cutter. Fair warning: once you sit by the pool and look at the lake, your current house may start feeling a little suspicious. Owner has pier permit for the construction of a new pier. previous pier was lost to a storm. Also property has a concrete boat ramp, but would need to be repaired.

Single Family

  • Price
  • $ 699,000
  • City
  • Salisbury
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • ROWAN
  • Half Bathrooms
  • 1
  • Area
  • Rowan County
  • Lot Size
  • 1.25 Acres
  • Zip
  • 28146
  • Sqr Footage
  • 3,235
  • Year Built
  • 1989
  • Style
  • Traditional
  • MLS#
  • 4409088
Listed By: Mantle LLC; dustinowens@mantlerealty.com
Data Source: Canopy MLS

Features

General

Living Area 3235
Sewer Other - See Remarks
Heating Heat Pump
Cooling Central Air
Appliances Dishwasher,Electric Range,Refrigerator
HOA Fee 600
Architectural Style Traditional
Pool Features In Ground
Construction Materials Wood
Year Built 1989
Levels Two
Property Subtype Single Family Residence
Parcel Number 614067
Waterfront Features Boat Ramp,Pier,Other - See Remarks
Assoc Fee Paid Per Annually
County Rowan
New Construction No
Property Type Residential
HOA Yes
Subdivision Name Waters Edge
Garage Y/N No
Full Baths 2
Directions From I-85 take exit 79,Left on Andrew St,Continue onto Old Union Church Rd,Left on Lake Fork Rd,Continue on Goodman Lake Rd,Right on Providence Church Rd,Left on Waters Rd
High School East Rowan
City Salisbury
Body of Water High Rock Lake
Senior Community Y/N No
Lot Size Units Acres
Carport Y/N No
Elementary School Morgan
Middle/Junior High School C.C. Erwin
Additional Parcels Y/N No
Standard Status Active
CAR_HOASubjectTo Required
Construction Type Site Built
Tax Assessed Value 637295

Interior Features

Basement (Y/N) No
Fireplace Y/N Yes
Above Grade Finished Area 3235
Half Baths 1
Laundry Features Main Level
Total Bedrooms 4
Total Baths 3
SqFt Main 1992
SqFt Upper 1243
Bedroom 1

Exterior Features

Parking Features Driveway
Lot Features Waterfront
Water Source Well
Lot Size Area 1.25
Foundation Details Crawl Space
Lot Dimensions 545.23 x 123.23
Road Surface Type Gravel,Concrete
Road Responsibility Publicly Maintained Road
Main Level Garage YN No

Amenities

  • Foreclosure
  • Views
  • Short Sale
  • New Construction
  • Adult 55+
  • Lease To Own
  • No HOA Fees
  • Furnished
  • Primary On Main
  • Air Conditioning
  • Seller Finance
  • Green
  • Fixer Upper
  • Horse
  • Golf
  • Fireplace
  • Deck
  • Garage
  • Basement
  • Pool

Affordability Calculator

$3,786

Per Month

Based on the average sale price from the Mooresville, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
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Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA, or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

Schools

Elementary School Morgan Elementary School
Middle School C.c. Erwin Middle School
High School East Rowan High School

Price History

7/29/2026 Listed $725,000
8/21/2026 4% - $699,000

Property vs Zip Code Average in 28146

Price
AVG $430K
$700K
Year Built
AVG 1990
1989
Visits
AVG 170
52
Data Provided by Inside Real Estate®

In The Neighborhood

Areas That We Cover

540 Waters Road Salisbury, NC is a Single Family Home for sale at $699000 with 3235 sqft and a lot size of 1.25 Acres Acre(s). 540 Waters Road Salisbury has 4 bedrooms, 2 baths and was built in 1989. The property's zip code is 28146 which is in Salisbury, NC

*Information deemed reliable but not guaranteed.

Financial calculator disclaimer: Default based on a 30-year fixed rate of 6.49% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.

Mortgage calculator provided courtesy of Inside Real Estate.

All information deemed reliable, but not guaranteed, and should be independently verified. The real estate information and related content displayed on this site is provided for consumers personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Trenton Sellers

Trenton Sellers

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720-670-8658

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