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.
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.
CANOPYMLS as Distributed by MLS Grid #4409088
Aug 21, 2026
Price Changed
$699,000
$216/sq ft
Jul 29, 2026
Listed
$725,000
$224/sq ft
Triad MLS #1
Jul 29, 2026
Price Changed
$725,000
$224/sq ft
Jun 12, 2026
Price Changed
$800,000
$247/sq ft
CANOPYMLS as Distributed by MLS Grid #4384617
Jun 15, 2026
Price Changed
$800,000
$247/sq ft
May 20, 2026
Listed
$825,000
$255/sq ft
Year
Property tax
Land + Additions
Assessment*
2025
$4,047
$175,000 + $462,295
$637,295
2024
$4,047
$175,000 + $462,295
$637,295
2023
$4,047 (+43.9%)
$175,000 + $462,295
$637,295
2022
$2,812 (+2.9%)
$150,000 + $244,707
$394,707
2020
$2,733
$150,000 + $244,707
$394,707
2019
$2,733 (+19.3%)
$150,000 + $244,707
$394,707
2018
$2,292
$130,000 + $203,535
$333,535
2017
$2,292
$130,000 + $203,535
$333,535
2016
$2,291
$130,000 + $203,535
$333,535
2015
$2,293 (−0.5%)
$130,000 + $203,535
$333,535
2014
$2,304 (+4.2%)
$130,000 + $211,528
$341,528
2013
$2,212 (−1.5%)
$130,000 + $211,528
$341,528
2012
$2,246
$130,000 + $211,528
$341,528
2011
$2,246
$130,000 + $211,528
$341,528
Public record
Public record
Zoning
Beds
—
Baths
3
Stories
1.5
Lot width
—
Lot depth
—
Lot size
1.25 Acres
Year renovated
1998
Finished Sq. Ft.
3,228
Unfinished Sq. Ft.
—
Total Sq. Ft.
3,228
Year built
1989
Style
Single Family Residential
County
Rowan County
APN
614 067
Parking Spaces
—
Basement
—
Accessible
—
HOA Dues
—
Garage
—
Features
—
Last updated by owner on Jul 20, 2026.
RS
Residential Suburban
The purpose of this zoning district is to protect existing residential neighborhoods and promote the creation of more residential neighborhoods. These areas are typically near major thoroughfares and have or could be provided significant infrastructure. Commercial uses, business uses and multifamily uses are generally not allowed.
Climate risks
1/10 Flood Factor
Minimal risk of a flood reaching the building in the next 30 years
3/10 Fire Factor
0.15% chance of being in a wildfire in next 30 years
5/10 Heat Factor
7 days above 105° expected this year, 17 days in 30 years
4/10 Wind Factor
16% chance of strong winds in next 30 years
2/10 Air Factor
2 unhealthy days expected this year, 2 days in 30 years
Provided by First Street
Historical weather
Salisbury, NC • 28146
Average low and high temperatures (°F)
48
26
55
33
69
43
76
51
77
56
87
66
90
71
83
66
80
61
72
49
64
41
52
31
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
Sun exposure
98/ 100
Exceptional sunlight
Sunscore
There appears to be minimal shading by surrounding buildings, terrain, and vegetation.
9.7 hrs
6.5 hrs
JuneDecember
Provided by Shadowmap
Redfin Estimate for 540 Waters Rd
$683,349
$16K under list price of $699K
Nearby comparable homes
The Redfin Estimate uses 6 recent nearby sales, priced between $420K to $845K.