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 at the dock? 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 that needs a little love, 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.

Active

  • Price
  • $ 699,000
  • City
  • Salisbury
  • Bedrooms
  • 4
  • Full Bathrooms
  • 2
  • County
  • ROWAN
  • Half Bathrooms
  • 1
  • Area
  • Lot Size
  • 1.25 Acres
  • Zip
  • 28146
  • Sqr Footage
  • 3,235
  • Year Built
  • 1989
  • Taxes
  • $ 4046
  • Style
  • Traditional
  • MLS#
  • 1229582
Listed By: Mantle LLC - 336-600-1052
Data Source: Triad MLS (TRIADMLS)

Features

General

Sewer Public Sewer
Heating Heat Pump,Electric
Cooling Central Air
Appliances Microwave,Dishwasher,Free-Standing Range,Electric Water Heater
Zoning RS
HOA Fee 600
Architectural Style Traditional
Pool Features In Ground
Construction Materials Wood Siding
Year Built 1989
Levels Two
Property Subtype Stick/Site Built
Assoc Fee Paid Per Annually
County Rowan
Property Type Residential
HOA Yes
Subdivision Name Waters Edge
Total Rooms 5
Full Baths 2
Status Active
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
Listing Terms Cash,Conventional,FHA,VA Loan
Elementary School Morgan
Tax Annual Amount 4046.82
Middle/Junior High School Erwin
Structure Type House
Standard Status Active
Additional School Info Zone buyer agent to verify sch
Attic Description Pulldown Stairs
Pool Y/N Yes
Porch Y/N No

Interior Features

Interior Amenities Central Vacuum
Basement Crawl Space
Flooring Carpet,Wood
Total Fireplaces 1
Fireplace Features Den
Above Grade Finished Area 3235
Half Baths 1
Total Bedrooms 4
Main Level Bathrooms 2
Total Baths 3
Energy Features None
Heating Fuel Electric
Water Heater Electric
Primary On Main Yes

Exterior Features

Exterior Amenities Balcony
Parking Features Driveway
Water Source Well
Building Area Total 3235
Lot Dimensions 545.23 x 123.23
Lot Size Acres 1.25

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 Winston Salem, NC office

  • Monthly Principal & interest $2,658
  • Monthly Property Taxes $1,062
  • Monthly Home Insurance $67
Adjust Payment Options
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Let's determine your purchasing power. Working with my mortgage partner, you'll have the information you need to shop for a home with confidence.

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 Erwin Middle School
High School East Rowan High School

Price History

7/30/2026 Listed $725,000
8/21/2026 4% - $699,000

Property vs Zip Code Average in 28146

Price
AVG $430K
$700K
Year Built
AVG 1991
1989
Visits
AVG 169
25
Data Provided by Inside Real Estate®

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.