106 Walnut St, Saluda, NC 28773 Property Records

Polk County property record for 106 Walnut St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.5 ba · 2,040 sqft · built 2001
Lot Size	0.74 acres (32,234 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (May 2018)
Tax Bill	$4,750 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S13-A32`

Property Details

APN / Parcel Number

Primary APN	`S13-A32`
Alternative APN	`56033`

Interior

Bedrooms	5 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Building Area	2,040 sqft Finished Area
Attic	Attic
Attic Area	312 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	32,234 sqft (0.74 acres)
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56033
Street Address	106 WALNUT ST
City	SALUDA
State	NC
Zip	28773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	S13, 0S50 SALUDA RES AREA 50
Legal Subdivision	SALUDA RES AREA 50
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2052
Census Tract	920303

Owner

106 Walnut St is owned and occupied by an individual who bought it in May 2018.

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	106 WALNUT ST, SALUDA, NC 28773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
May 22, 2018	Warranty Deed, Transfer QUICKEN LOAN INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2018 · Amount on File
Deed Sale	May 22, 2018 · Amount on File
Prior Sale	Mar 31, 2006 · Amount on File
Deed Book / Page	433 / 1267
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	106 WALNUT ST, SALUDA, NC 28773-6772
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00478/1205
Date	Jun 6, 2023
Book Page	478/1205

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jun 1, 2043

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	106 WALNUT ST, SALUDA, NC 28773-6772
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000457/216
Date	Mar 3, 2021
Book Page	457/216

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 22, 2018
Property Address	106 WALNUT ST, SALUDA, NC 28773-6772
Document Number	00433/1267
Book / Page	433 / 1267
Instrument Date	May 21, 2018
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 WALNUT ST, SALUDA, NC 28773-6797

Mortgage

Document Number	0000000433/0000001272
Date	May 22, 2018
Book Page	0000000433/0000001272

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Amount	Amount on Record
Term	356 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 106 Walnut St was $4,750, up 7% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Municipality	Saluda City
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,750.00 (+7.03%)	$444,905 (-) Land $55,500 Building $389,405	$444,905 (-) Land $55,500 Building $389,405
2025	$4,438.00	$444,905 Land $55,500 Building $389,405	$444,905 Land $55,500 Building $389,405
2023	$2,860.00	$228,062 Land $37,000 Building $191,062
2021			$228,062 Land $37,000 Building $191,062

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 106 Walnut St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Wildfire risk around 106 Walnut St is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALUDA serves 1,814 people · EPA ID NC0175020
Water Source	Purchased surface water from CITY OF HENDERSONVILLE
Last State Inspection	Jun 2025
Lead	11 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Pangaea Internet, RiverStreet Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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