Polk County property record for 104 Smith St, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,663 sqft · built 2006 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $305,000 (Dec 2020) |
| Tax Bill | $3,587 (2025) |
| Deeds & Mortgages | Dec 2020 Sale & Mortgage Sep 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | S12-I6 |
| Primary APN | S12-I6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,663 sqft Finished Area |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 55327 |
|---|---|
| Street Address | 104 SMITH ST |
| City | SALUDA |
| State | NC |
| Zip | 28773-8887 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT B, 0S62 SALUDA RES AREA 62 |
| Legal Subdivision | SALUDA RES AREA 62 |
| Legal Lot Number | B |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 920303 |
Source: Polk County assessment roll, APN S12-I6, as of January 1, 2025 · Last verified January 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 104 SMITH ST, SALUDA, NC 28773-8887 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 04, 2020 | Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 11, 2017 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2020 · Amount on Record |
| Deed Sale | Dec 04, 2020 · Amount on Record |
| Prior Sale | Sep 11, 2017 · Amount on Record |
| Deed Document Number | 0004541589 |
| Deed Book / Page | 454 / 1589 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Dec 04, 2020 |
| Property Address | 104 SMITH ST, SALUDA, NC 28773-8887 |
| Document Number | 00454/1589 |
| Book / Page | 454 / 1589 |
| Instrument Date | Dec 01, 2020 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $610.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16 E MAIN ST, SALUDA, NC 28773-7817 |
| Name | Verified Name |
|---|---|
| Address | 184 SMITH ST, SALUDA, NC 28773-8887 |
| Document Number | 0004541592 |
|---|---|
| Date | Dec 04, 2020 |
| Instrument | 454/1592 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 11, 2017 |
| Property Address | 104 SMITH ST, SALUDA, NC 28773-8887 |
| Document Number | 00428/1995 |
| Book / Page | 428 / 1995 |
| Instrument Date | Sep 11, 2017 |
| Instrument | 004661560003 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,600.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 777, SALUDA, NC 28773-0777 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 184 SMITH ST, SALUDA, NC 28773-8887 |
Source: Polk County assessment roll as of January 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Municipality | Saluda City |
| Unified School District | Polk County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,587.00 (+22.93%) | $359,562 (+54.51%) Land $31,250 Building $328,312 | $359,562 (+54.51%) Land $31,250 Building $328,312 |
| 2023 | $2,918.00 | $232,709 Land $12,500 Building $220,209 | |
| 2021 | $232,709 Land $12,500 Building $220,209 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), as of July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 153 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: e-Polk, Verizon, Wilkes Telephone Membership.
Source: EPA Safe Drinking Water Information System, water system NC0175020, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SALUDA serves 1,814 people |
|---|---|
| Water Source | Purchased surface water from CITY OF HENDERSONVILLE |
| Last State Inspection | Jun 2025 |
| Lead | 11 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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