138 Crescent Dr, Saluda, NC 28773 Property Records

Polk County property record for 138 Crescent Dr, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,512 sqft · built 1990
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Feb 2025)
Tax Bill	$4,176 (2026)
Deeds & Mortgages	Sep 2019 Refinance Feb 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S5-F3`

Property Details

APN / Parcel Number

Primary APN	`S5-F3`
Alternative APN	`53564`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,512 sqft Finished Area
Basement Area	1,512 sqft
Unfinished Basement	1,512 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1994
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Hip
Roof Material	Shingle
Lot Area	18,295 sqft (0.42 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	53564
Street Address	138 CRESCENT ST
City	SALUDA
State	NC
Zip	28773-0767
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOT #3 MEADOWVIEW SUB'D, 0M01 MEADOWVIEW S/D
Legal Subdivision	MEADOWVIEW S/D
Legal Lot Number	3
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2017
Census Tract	920303

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	138 CRESCENT ST, SALUDA, NC 28773-0767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance SUNTRUST BANK
Feb 20, 2025	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 20, 2025 · Amount on Record
Deed Sale	Feb 20, 2025 · Amount on Record
Prior Sale	Sep 15, 2009 · Amount on Record
Deed Book / Page	490 / 883
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	138 CRESCENT DR, SALUDA, NC 28773-9718
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443/72
Date	Sep 13, 2019
Book Page	443/72

Lender

Name	SUNTRUST BANK
Type	Bank

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2034

February 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 20, 2025
Property Address	138 CRESCENT DR, SALUDA, NC 28773-9718
Document Number	000490/883
Book / Page	490 / 883
Map Reference	FILE B PG 27
Instrument Date	Feb 13, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$960.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	955 TUPELO BAY DR, MOUNT PLEASANT, SC 29464-8344

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 CRESCENT DR, SALUDA, NC 28773-9718

Mortgage

Document Number	0000490886
Date	Feb 20, 2025
Instrument	490/886

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	7%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12%

Tax Assessment & Valuation

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	$4,176.00 (+11.6%)	$391,131 (+4.26%) Land $57,750 Building $333,381	$391,131 (+4.26%) Land $57,750 Building $333,381
2025	$3,742.00 (+6.46%)	$375,132 (+33.83%) Land $56,375 Building $318,757	$375,132 (+33.83%) Land $56,375 Building $318,757
2023	$3,515.00	$280,301 Land $46,125 Building $234,176
2021			$280,301 Land $46,125 Building $234,176

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

Flood

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

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 117 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
RiverStreet Networks Fiber	1,000 / 1,000

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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