LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+2.5%|Austin · TXMedian List$550K-1.0%|Baltimore · MDMedian List$225K-6.3%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$859K+3.4%|Charlotte · NCMedian List$430K-0.1%|Chicago · ILMedian List$426K+9.3%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.6%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$449K-0.1%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$569K+1.6%|Detroit · MIMedian List$105K-2.8%|Duval County · FLMedian List$297K-2.3%|El Paso · TXMedian List$260K+3.7%|Fort Worth · TXMedian List$332K-2.1%|Franklin County · OHMedian List$320K+3.2%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$340K+0.6%|Indianapolis · INMedian List$260K+2.3%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$309K-2.1%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$240K+4.3%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$440K-1.1%|Los Angeles · CAMedian List$950K-0.5%|Louisville · KYMedian List$275K0.0%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$202K+2.5%|Mesa · AZMedian List$450K-3.1%|Milwaukee · WIMedian List$243K+5.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$480K+1.0%|New York · NYMedian List$899K+0.5%|Oklahoma City · OKMedian List$275K-0.6%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$249K+0.3%|Phoenix · AZMedian List$480K0.0%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$640K-6.0%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$236K-1.2%|San Diego · CAMedian List$994K+4.2%|San Francisco · CAMedian List$1.4M+1.7%|San Jose · CAMedian List$1.3M-11.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$874K-2.8%|Shelby County · TNMedian List$259K-2.4%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in Forsyth County, North Carolina sells for about $318,000, or $178 per square foot.

Prices are roughly flat from a year ago (-0.25%), a market in balance. Homes take about 38 days to sell. Over the long run, values in this county have grown 118% since 2000. Last year 54 of 79 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,332 a month.

HUD sets the fair market rent for a 2-bedroom at $1,332 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.

Price climate

Every year of price change, 2000–2025

+2.3%

2025

200020132025

Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+18.5%). Worst: 2012 (-2.6%). Hover to read a year.

Monthly price momentum

Home values since 2015

+2.7%

NC · past 12 months

NC 235.7USA 208.1
20152017201920212023202595135175240.7

Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.

Rent benchmark

Fair market rent by size

$1,754

3-bed / month

$1,079
Studio
$1,224
1 bed
$1,332
2 bed
$1,754
3 bed
$2,135
4 bed
Gross rental yield · 3-bed rent × 12 ÷ $318,0006.6%

HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.

Neighborhood price trend

Long-run price trend, 2000–2025

+2.3%

2025 change

200020052010201520202025-7%0%7%14%21%

FHFA repeat-sales index, median of 79 census tracts in this county (2000 = 100). Bars are each year's median change.

Natural hazard exposure

The area's risk shape

34

Relatively Low

Ice stormHurricaneLandslideWinter weatherHailCold waveRiverine floodingEarthquake

FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $104,148,028.

Mortgage activity

Home lending in this county

77.9%

2018 approval rate

YearApplicationsLoans madeApprovalInvestor shareMedian home value
201816079904077.9%4.6%$165,000

CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.

County intel report · monthly refresh cycle
Track this county

Forsyth County, North Carolina

Winston-Salem market · minorrefreshed Sep 14, 2026, 8:23 AMnext refresh due Oct 14, 2026
Market sentiment: cautiously optimistic

Forsyth County's housing market remains balanced to modestly seller-tilted, supported by steady employment in healthcare and education and relatively affordable inventory compared to larger metropolitan regions. Prices have held firm around a median of $318,000 with days on market remaining brisk at 38 days.

No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.

The data chain · drill up or downproperty → ZIP → city → county → state

Select a city to expand its ZIP intel reports beneath · 10 cities · 32 ZIP reports

Latest readings
Median sale price
$318,000
Corroborated · 1 anchor · 1% off nearest
Median price / sq ft
$178
Median days on market
38
Active listings
2,448
Listings with price cuts
24.5%
Median price change YoY
-0.25%
Closed sales (monthly)
482
Months of supply
2.8
Sale-to-list ratio
98.4%
Median asking rent
$1,425/mo
Population
389,146
Median household income
$67,165
Avg effective property tax rate
0.89%
County Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
68
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
53
Growth/100

Median prices moved up 0.7% year over year.

88
Liquidity/100

Homes spend a median of 40 days on market with 0.1 months of supply — a fast-moving market.

50
Momentum/100

1% of listings have cut prices · homes sell at 2.43% of asking — demand is holding steady.

81
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.9% · poverty 14.2% — a stable, low-distress profile.

Immigration & foreign-bornU.S. Census Bureau ACS · county granular
Foreign-born share
9.7%
Foreign-born residents
37,819
Naturalized (of foreign-born)
38.9%
Non-citizens (of population)
5.9%
Entered 2010 or later (of foreign-born)
35.8%
World region of birth (foreign-born)
Americas
64.3%
Asia
20%
Europe
8.2%
Africa
7.3%
Oceania
0.2%

ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.

Deterministic roll-up
28 of 32 ZIP reports contributed
Median sale price
$293,062
Median price / sq ft
$165
Median days on market
40.48
Active listings
396,880
Listings with price cuts
0.59%
Median price change YoY
+0.7%
Closed sales (monthly)
12,030
Months of supply
0.12
Sale-to-list ratio
2.43%
Median asking rent
$1,480/mo
Population
1,862,374
Median household income
$60,829

Deterministic aggregate of 28 researched ZIP reports of 32 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.

Median home value · ten-year trajectory & projection

Forsyth County, North Carolina — researched county-level history with a deterministic 1 / 3 / 5-year projection

2016201720182019202020212022202320242025202620282030$100,000$200,000$300,000$400,000$500,000

Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.

Property base layer · rolled up from researched properties1 researched property · latest reading each
Researched properties
1
distinct addresses on the base layer
Median observed value
$1,071,100
normalized current value readings
Median observed rent
—
monthly, where determinable
County-record distress flags
0
pre-foreclosure · foreclosure · REO · lien · judgment

Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 9, 2026.

ZIP roster · every intel report in the county32 of 32 ZIPs researched
Sort
27009Belews Creek
Median price
$315,839
$/sqft
$185
Trend YoY
+3.8%
Days on mkt
44
Sale-to-list
99%
Price cuts
28%
Supply (mo)
3.6
Listings
3,247
Median rent
$1,500

researched Sep 17

27010Bethania
Median price
$439,900
$/sqft
$174
Trend YoY
+27.4%
Days on mkt
68
Sale-to-list
—
Price cuts
—
Supply (mo)
6.6
Listings
139
Median rent
$1,990

researched Sep 16

27012Clemmons
Median price
$392,000
$/sqft
$174
Trend YoY
+4.2%
Days on mkt
43
Sale-to-list
98.5%
Price cuts
17.9%
Supply (mo)
3.6
Listings
162
Median rent
$1,227

researched Sep 17

27023Lewisville
Median price
$415,000
$/sqft
$185
Trend YoY
+4.2%
Days on mkt
50
Sale-to-list
98.5%
Price cuts
12%
Supply (mo)
2.8
Listings
85
Median rent
$1,064

researched Sep 16

27040Pfafftown
Median price
$399,950
$/sqft
$157
Trend YoY
0%
Days on mkt
33
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
4
Median rent
$1,514

researched Sep 16

27045Rural Hall
Median price
$290,000
$/sqft
$159
Trend YoY
0%
Days on mkt
59
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
87
Median rent
$1,081

researched Sep 17

27050Tobaccoville
Median price
$271,000
$/sqft
$165
Trend YoY
+0.2%
Days on mkt
40
Sale-to-list
98.5%
Price cuts
21.6%
Supply (mo)
4.2
Listings
3,589
Median rent
$919

researched Sep 20

27051Walkertown
Median price
$277,694
$/sqft
$168
Trend YoY
+3.2%
Days on mkt
49
Sale-to-list
98.5%
Price cuts
22%
Supply (mo)
4.2
Listings
35,601
Median rent
$1,146

researched Sep 20

27101Winston-Salem
Median price
$280,000
$/sqft
$175
Trend YoY
-0.9%
Days on mkt
44
Sale-to-list
98%
Price cuts
15%
Supply (mo)
3.2
Listings
94
Median rent
$1,250

researched Oct 8

27102Winston-Salem
Median price
$297,000
$/sqft
$184
Trend YoY
+3.4%
Days on mkt
41
Sale-to-list
—
Price cuts
—
Supply (mo)
—
Listings
450
Median rent
$1,500

researched Sep 16

Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.

Page 1 of 4
Area context
Crime & safety

Forsyth County property crime rates closely track North Carolina statewide benchmarks, while violent incident reports are disproportionately concentrated in denser Winston-Salem urban sectors. Suburban townships like Clemmons, Lewisville, and Kernersville exhibit significantly lower crime incidence than the county core.

Schools & education

The consolidated Winston-Salem/Forsyth County Schools (WS/FCS) district serves the entire county, featuring high-performing magnet options (such as Atkins A&T High) alongside notable suburban schools in Clemmons and Lewisville. Performance variances are evident between inner-city facilities and outlying suburban attendance zones.

Environmental & hazard

Forsyth County carries relatively low overall climate exposure compared to coastal North Carolina, with minimal seismic threat and negligible wildfire risk. Environmental hazards are primarily limited to localized riverine and overland flash flooding along the Yadkin River basin and Salem Creek during severe tropical weather remnants.

Growth & development

Economic expansion is anchored by healthcare, life sciences, and advanced manufacturing led by Atrium Health Wake Forest Baptist and Novant Health. The Innovation Quarter in downtown Winston-Salem and continued logistics development along the I-40 and I-74 corridors drive sustained employment diversification.

Taxation

Forsyth County levies a county-wide ad valorem property tax alongside municipal rates assessed by cities like Winston-Salem and Kernersville, reassessed on a statutory four-year cycle completed in 2025. Standard North Carolina property tax relief includes homestead exclusions for qualifying elderly/disabled owners and disabled veterans.

Rental market

Forsyth County exhibits steady rental occupancy anchored by the higher education sector and healthcare workforce around Winston-Salem. Institutional build-to-rent and suburban multi-family completions have moderated rent growth, maintaining median asking rents near $1,425 monthly.

Economy & employers

Forsyth County's economy is anchored by advanced healthcare, biotechnology, finance, and manufacturing hubs. Major pillars include Atrium Health Wake Forest Baptist, Novant Health, Truist Financial regional operations, Reynolds American, and Hanesbrands.

Transportation & infrastructure

Forsyth County is bisected by Interstate 40, Interstate 74, and US Highway 52, facilitating regional travel across the Piedmont Triad. Public bus transit is provided primarily within Winston-Salem by WSTA, while air travel connects through nearby Piedmont Triad International Airport (PTI).

Development pipeline

Residential planning highlights include infill multi-family and adaptive reuse in downtown Winston-Salem, complemented by suburban single-family master developments across Clemmons, Kernersville, and Lewisville.

County appraisal district

The Forsyth County Tax Assessor conducts ad valorem real estate valuations, implementing countywide revaluations every four years (completed 2025) pursuant to North Carolina General Statutes.

Special districts

Special districts include the Winston-Salem/Forsyth County Consolidated School District, Forsyth Technical Community College taxing district, municipal service districts in downtown Winston-Salem, and several rural fire protection districts.

Insurance & hazard market

Homeowners insurance rates in Forsyth County are sheltered from coastal hurricane surge risks, remaining moderately priced relative to eastern North Carolina, though convective storms and severe hail generate periodic claims.

Major amenities · Forsyth County, North Carolina
Entertainment venues, stadiums & amphitheaters
12 · 30 mi
Family fun & things to do
20+ · 20 mi
Museums, galleries & history
20+ · 30 mi
Parks, trails & nature
20+ · 20 mi
Lakes, marinas & beaches
2 · 30 mi
Airports
2 · 31 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.

Amenities & attractions5 retained amenities · 3 developments on the horizon

The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.

Inside this county
Tanglewood Park
Regional Park & Recreation

A sprawling 1,100-acre county-managed park in Clemmons featuring two championship golf courses, an arboretum, horse stables, trails, and the annual Festival of Lights.

Old Salem Museums & Gardens
Historic District & Museum

A nationally recognized living-history district preserving 18th-century Moravian heritage with restored buildings, living trade demonstrations, and heritage gardens.

Reynolda Estate & Gardens
Museum & Cultural Center

The historic 1917 R.J. Reynolds estate featuring the Reynolda House Museum of American Art, historic landscaped gardens, and adjacent Reynolda Village shopping and dining.

Truist Stadium
Sports & Entertainment Complex

Downtown Winston-Salem ballpark home to the Winston-Salem Dash, hosting minor league baseball, outdoor concerts, and community festivals.

Salem Lake
Reservoir & Nature Trail

A 365-acre lake offering a picturesque 7-mile multi-use shoreline trail, pier and kayak fishing, and recreational boating just minutes from downtown.

On the horizon · announced & under construction
Winston-Salem Innovation Quarter Phase IIMixed-Use Innovation & Life Sciences DistrictUnder ConstructionA multi-million dollar expansion adding 1 million square feet of lab, office, educational, and residential space to Winston-Salem's urban bio-tech campus.
Northern Beltway (Future I-74)Highway Infrastructure ExpansionUnder ConstructionMajor multi-phase highway loop managed by NCDOT connecting US-52, I-40, and eastern Forsyth County to alleviate cross-town commercial freight and commuter congestion.
Clemmons Town Center Mixed-UseSuburban Mixed-Use DevelopmentApproved / Phased ConstructionPedestrian-oriented suburban town center adding residential townhomes, commercial retail, medical offices, and dining spaces in western Forsyth County.
Discovery profileACS 2020-2024 5-year estimates
Census profile · Forsyth County, North Carolina
Population
389,146
Median age
38.6 yrs
Owner-occupancy
62.4%
Median home value
$242,000
Median gross rent
$1,054
Median household income
$67,165
Median year built
1984
Vacancy rate
8.1%
Renter share
37.6%
Owner cost burden
19.8%
Renter cost burden
46.2%
Population change
+1.9%
Net migration
2,480
Work-from-home share
12.8%
Mean commute
22.4 min
Bachelor's or higher
36.4%
Unemployment
3.9%
Poverty rate
14.2%
Avg household size
2.42
White alone (non-Hispanic)
54.7%
Black or African American
26.5%
Hispanic or Latino
14.1%
Asian alone
2.7%
Two or more races
2%

Retrieved via Census Bureau QuickFacts and ACS demographic tables for Forsyth County, NC.

School districts
Winston-Salem/Forsyth County SchoolsB / Statewide Accountability Grade: Met County-wide unified school system operating over 80 elementary, middle, and high schools alongside specialized arts and STEM academies.
Major employers & industries
Atrium Health Wake Forest BaptistHealthcare & Life SciencesOver 14,000 employees
Novant HealthHealthcare SystemOver 8,000 employees
Winston-Salem/Forsyth County SchoolsPublic EducationOver 6,500 employees
Reynolds American Inc. (BAT)Consumer Goods & ManufacturingOver 2,500 employees
Truist FinancialFinancial Services & BankingOver 2,000 employees
Sources · 5 cited
County city board · values & trends by city10 cities · 32 ZIP reports
Winston-Salem
city intel →
Median price$288,221
Price trend+0.8% YoY
Days on market40 med
Median rent$1,499
Population1,841,605
Active listings357,594
City market sentiment: cautiously optimistic
23 of 23 ZIPs researched — figures roll up from member ZIP reports
Kernersville
Median price$348,300
Price trend+1.6% YoY
Days on market46 med
Median rent$1,153
Population58,065
Active listings221
1 of 1 ZIP researched — figures roll up from member ZIP reports
Clemmons
Median price$392,000
Price trend+4.2% YoY
Days on market43 med
Median rent$1,227
Population30,543
Active listings162
1 of 1 ZIP researched — figures roll up from member ZIP reports
Bethania
Median price$439,900
Price trend+27.4% YoY
Days on market68 med
Median rent$1,990
Population21,900
Active listings139
1 of 1 ZIP researched — figures roll up from member ZIP reports
Lewisville
Median price$415,000
Price trend+4.2% YoY
Days on market50 med
Median rent$1,064
Population14,414
Active listings85
1 of 1 ZIP researched — figures roll up from member ZIP reports
Pfafftown
Median price$399,950
Price trend0% YoY
Days on market33 med
Median rent$1,514
Population12,665
Active listings4
1 of 1 ZIP researched — figures roll up from member ZIP reports
Rural Hall
Median price$290,000
Price trend0% YoY
Days on market59 med
Median rent$1,081
Population10,863
Active listings87
1 of 1 ZIP researched — figures roll up from member ZIP reports
Walkertown
Median price$277,694
Price trend+3.2% YoY
Days on market49 med
Median rent$1,146
Population7,873
Active listings35,601
1 of 1 ZIP researched — figures roll up from member ZIP reports
Tobaccoville
Median price$271,000
Price trend+0.2% YoY
Days on market40 med
Median rent$919
Population3,823
Active listings3,589
1 of 1 ZIP researched — figures roll up from member ZIP reports
Belews Creek
Median price$315,839
Price trend+3.8% YoY
Days on market44 med
Median rent$1,500
Population2,939
Active listings3,247
1 of 1 ZIP researched — figures roll up from member ZIP reports
Jurisdictional burden contextburdens registered for this geography · most-local first
State · North Carolina
Restrictive Covenants and EasementsLand use & zoningConditional

applies when — Applies to parcels where the title holder has created or is subject to recorded easements, restrictions, or conditions.

Imposes binding limitations on the use, development, or maintenance of the parcel as defined in the recorded instrument.

N.C. Gen. Stat. § 39-6.4

Tax Lien AttachmentTaxationBinds every parcel

A tax lien attaches to all real property, taking priority over all other liens and encumbrances regardless of when they were created.

N.C. Gen. Stat. § 105-355

HOA/Condominium Assessment Lien ForeclosureForeclosure doctrineConditional

applies when — Applies to parcels governed by a Homeowners' Association (Chapter 47F) or Condominium Association (Chapter 47C) where assessments remain unpaid.

Associations may file a claim of lien and foreclose in a manner similar to a mortgage under power of sale, or through a civil action.

N.C. Gen. Stat. § 47F-3-116 and § 47C-3-116

Power of Sale ForeclosureForeclosure doctrineBinds every parcel

Allows for non-judicial foreclosure, though it requires a hearing before the Clerk of Superior Court to authorize the sale. Borrowers are entitled to a pre-foreclosure notice at least 45 days prior to the filing of a notice of hearing for primary residences.

N.C. Gen. Stat. Chapter 45, Article 2A and Article 11

Ad Valorem Property TaxTaxationBinds every parcel

Tax is calculated by multiplying the assessed value of the property by the combined state and local tax rate. The formula is: Tax = (Assessed Value / 100) * Tax Rate. Assessment is based on the true value in money, with counties required to conduct revaluations at least every eight years.

N.C. Gen. Stat. Chapter 105, Article 12 (2025)

Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.