540 Waters Rd, Salisbury, NC, 28146
About This Home
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.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1989
Materials
- Construction materials: Wood Siding
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Stick/Site Built,Residential,Single Family Residence
Interior
Appliances
- Appliances included: Microwave,Dishwasher,Free-Standing Range,Electric Water Heater
Basement
- Basement: Crawl Space
Bedroom2
- Level: Second
Bedroom3
- Level: Second
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
- Main level bathrooms: 2
Features
- Central Vacuum
- Flooring: Carpet,Wood
- Number of fireplaces: 1
- Fireplace features: Den
- Fireplace: Yes
- Attic: Pull Down Stairs
- Finished area above ground: 3,235
Heating & Cooling
- Heating features: Heat Pump,Electric
- Cooling features: Central Air
Interior Area
- Total structure area: 3,235
- Total interior livable area: 3,235 sqft
Kitchen
- Level: Main
Living Room
- Level: Main
Master Bedroom
- Level: Main
Property
Details
- Parcel number: 614067
- Zoning: RS
- Special condition: Owner Sale
Features
- Levels: Two
- Stories: 2
- Pool features: In Ground
- Exterior features: Balcony
- On waterfront: Yes
- Waterfront features: Lake Front
Lot
- Lot size: 1.25 Acres
- Lot size dimensions: 545.23 x 123.23
Parking
- Parking features: Driveway
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Cold Wave
- Inland Flooding
- Ice Storm
- Lightning
- Strong Wind
- Tornado
- Winter Weather
How This Home’s Risks Compare
FEMA Declared Disasters in Rowan County and North Carolina
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,665 | $43,980 |
| Home Insurance * | $279 | $3,348 |
| Property Taxes | $380 | $4,560 |
| Electricity | $301 | $3,615 |
| Total | $4,625 | $55,500 |
Income You'd Need if You Spent...
North Carolina FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-07-29 | Listed for sale | $725,000 |
| 2026-07-27 | Listing removed | $800,000 |
| 2026-06-12 | Price change | $800,000 |
| 2026-05-20 | Listed for sale | $825,000 |
View on Zillow