Beautiful split bedroom ranch home provides over an acre of luxurious living in a Country setting. Kitchen is a cook's dream with Oak cabinets, a giant island and lots of counters for rolling out biscuits. Nine foot ceilings make this open-plan home feel even bigger. Master Bedroom Suite is separate from other big bedrooms & offers a huge walk in closet, double sink vanities and separate shower to make getting ready a breeze. Deep garden tub to soaks away your cares. You'll enjoy porcelain sinks, designer laminates, lots of upgrades and new luxury plank flooring, new carpet and fresh paint throughout. Many energy saving features too! Over 330 feet of backyard behind the house gives room to run. Low county taxes and just minutes to shopping, services, restaurants and entertainment in Concord and Kannapolis. Special financing!
Single-familyProperty Type
2006Year Built
1.15 acresLot Size
$180Est. Price/Sq.Ft.
3 spacesParking
Listed by Daniel Fisher• Fisher Herman Realty LLC
Listed by Rebecca Fisher• Fisher Herman Realty LLC
Bought with Shannon Murray Corsale• Howard Hanna Allen Tate Huntersville
3 bed/ 2 bath on over an acre of land!! Large kitchen with dining area and island. Master suite off of kitchen with shower and large tub. Nice wall of built ins living room. FHA case #381-794267. Property is owned by the US Dept of HUD. HUD homes are sold "as is". Seller makes no representation or warranties as to the property condition. FHA Financing code is UI, subject to appraisal. Seller may contribute up to 3% for buyer’s closing costs upon buyer request. EHO compliant. 203K Eligible.
Year
Property tax
Land + Additions
Assessment*
2026
$1,243
$48,290 + $131,824
$180,114
2025
$1,243 (+3.0%)
$48,290 + $131,824
$180,114
2024
$1,207
$48,290 + $131,824
$180,114
2023
$1,207 (+24.3%)
$48,290 + $131,824
$180,114
2022
$971 (+0.7%)
$40,378 + $89,546
$129,924
2020
$964
$40,378 + $89,546
$129,924
2019
$964 (+20.4%)
$40,378 + $89,546
$129,924
2018
$801
$36,270 + $72,577
$108,847
2017
$801 (+0.1%)
$36,270 + $72,577
$108,847
2016
$800
$36,270 + $72,577
$108,847
2015
$800 (+2.7%)
$36,270 + $72,577
$108,847
2014
$779 (+4.0%)
$36,270 + $74,818
$111,088
2013
$749 (−1.5%)
$36,270 + $74,818
$111,088
2012
$760
$36,270 + $74,818
$111,088
2011
$760
$36,270 + $74,818
$111,088
Tax history for 440 Phaniel Church Rd
Year
Property tax
Land + Additions
Assessment*
2026
$1,243
$48,290 + $131,824
$180,114
2025
$1,243 (+3.0%)
$48,290 + $131,824
$180,114
2024
$1,207
$48,290 + $131,824
$180,114
2023
$1,207 (+24.3%)
$48,290 + $131,824
$180,114
2022
$971 (+0.7%)
$40,378 + $89,546
$129,924
2020
$964
$40,378 + $89,546
$129,924
2019
$964 (+20.4%)
$40,378 + $89,546
$129,924
2018
$801
$36,270 + $72,577
$108,847
2017
$801 (+0.1%)
$36,270 + $72,577
$108,847
2016
$800
$36,270 + $72,577
$108,847
2015
$800 (+2.7%)
$36,270 + $72,577
$108,847
2014
$779 (+4.0%)
$36,270 + $74,818
$111,088
2013
$749 (−1.5%)
$36,270 + $74,818
$111,088
2012
$760
$36,270 + $74,818
$111,088
2011
$760
$36,270 + $74,818
$111,088
*Taxable value of land and structures on it ("additions") is determined regularly by local assessors and does not affect market price.
Public record
Public record
Zoning
Beds
—
Baths
2
Stories
1
Lot width
—
Lot depth
—
Lot size
1.18 Acres
Year renovated
2006
Sq. Ft.
1,444
Year built
2006
Style
Single Family Residential
County
Rowan County
APN
428 101
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Sep 16, 2026.
RA
Rural Agricultural
This district is developed to provide for a minimum level of land use regulations appropriate for outlying areas of the county. These outlying areas typically consist of rural single-family housing, larger tracts of land used for agricultural purposes, and instances of nonresidential uses intermingled. Multifamily uses are discouraged in this district. This district would provide for protection from the most intensive land uses while containing provisions for a variety of home-based business opportunities and other nonresidential uses deemed appropriate through a special use permit process. It is the intent of this district to rely upon development standards to protect residences from potential adverse impacts of allowed nonresidential uses. The most intensive land uses would not be allowed in this district.
Interior Features: Attic Other, Built-Ins, Cable Available, Garden Tub, Kitchen Island, Open Floorplan, Split Bedroom, Walk-in Closet(s)
Appliances: Cable Prewire, Ceiling Fan(s), Dishwasher, Electric Dryer Hookup, Exhaust Fan, Plumbed For Ice Maker, g-Low Flow Fixtures
Flooring: Carpet, Vinyl
Exterior
Building Information
Construction Type: Off Frame Modular
Construction Materials: Vinyl Siding
Construction Status: Complete
Roof: Shingle, Wood
Exterior Features
Porch: Back,Front,Side
Doors Windows: g-Insulated Door(s),Insulated Windows
Property Information
Property Type: Residential
Property Sub Type: Single Family Residence
Accessibility Features: 2 or More Access Exits, Doors-Swing In, Hall Width 36 Inches or More, Hard/Low Nap Floors, No Interior Steps
Lot Information
Lot Features: Level, Paved, Wooded, Wooded
Lot Size Area: 1.149
Lot Size Dimensions: ABOUT 100 x 500
Road Surface Type: Gravel
Road Responsibility: Public Maintained Road
Zoning NCM: RA
Utilities
Utility Information
Water Source: Well
Sewer: Septic Installed
Water Heater Information: Electric
Location
Multi-Unit Information
# of Units: 0
HOA Information
HOA Subject To Dues: No
HOA Subject To: None
School Information
Elementary School: Shive
Middle Or Junior High School: China Grove
High School: Jesse Carson
Location Information
Directions: FROM I-85 Exit 68 take NC-152 East towards Rockwell ~3.7mi. RIGHT on Rock Grove Church Rd, RIGHT on Phaniel Church Road to 440 Phaniel Church Road on your right. FROM Concord, take Old Salisbury-Concord Rd north 3mi, RIGHT on Sapp Rd about 7 miles. (Sapp Rd name changes to Phaniel Church Rd at the county line). 440 Phaniel Church Road on your left.
Public facts
Beds: —
Baths: 2.0
Sq. Ft.: 1,444
Stories: 1.0
Lot Size: 1.18 acres
Style: Single Family Residential
Year Built: 2006
Year Renovated: 2006
County: Rowan County
APN: 428 101
Home facts updated by county records on Sep 16, 2026
Other
Green Information
Green Building Features: g-Engineered Wood Products,g-No-Low VOC/Paints, Sealants, Varn
Home Information
Living Area: 1490
Sq. Ft. Upper: 0
Sq. Ft. Third: 0
Sq. Ft. Main: 1490
Sq. Ft. Lower: 0
Sq. Ft. Additional: 0
Building Area Total: 1490
Foundation Details: Crawl Space
Structure Type: 1 Story
Around this home
Schools
Ethan H Shive Elementary School
Public PreK-5 • Assigned • 3.8mi
6/10
China Grove Middle School
Public 6-8 • Assigned • 4.6mi
3/10
Jesse C Carson High School
Public 9-12 • Assigned • 2.9mi
6/10
Provided by GreatSchools
Lifestyle
Provided by Walk Score and Local Logic
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
1/10 Fire Factor
Unlikely to be in a wildfire in next 30 years
5/10 Heat Factor
7 days above 103° expected this year, 17 days in 30 years
4/10 Wind Factor
14% chance of strong winds in next 30 years
3/10 Air Factor
2 unhealthy days expected this year, 4 days in 30 years
Provided by First Street
Historical weather
Rockwell, NC • 28138
Average low and high temperatures (°F)
48
27
55
34
70
44
77
52
78
57
88
67
91
71
81
66
81
60
72
50
65
42
53
32
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
In this area, properties receive around 9.3 hours in
June and 5.3 hours in December, which is comparable to the
U.S. average for solar exposure.
9.3 hrs
5.3 hrs
JuneDecember
Provided by Shadowmap
Estimated sale price
$255,000 – $309,000
Sell confidently with a local market expert in Rockwell. 3 minutes to get started.