148 Bell Ct, Saluda, NC 28773 Property Records

Polk County property record for 148 Bell Ct, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,690 (2026)
Deeds & Mortgages	Dec 2023 Construction Loan Aug 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S3-B17`

Property Details

APN / Parcel Number

Primary APN	`S3-B17`
Alternative APN	`40522`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	40522
Street Address	148 BELL CT
City	SALUDA
State	NC
Zip	28773-0480
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	M
Legal Description	LOT 5, PHASE TWO, 0F07 FOREST CREEK 09
Legal Subdivision	FOREST CREEK
Legal Phase	2
Legal Lot Number	5
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1030
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	2 Individual Names on Record
Mailing Address	1335 S VILLAGE SQ, VERO BEACH, FL 32966-1250
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Deed of Trust, Mortgage · Construction Mortgage DOLLAR BANK FSB
Aug 15, 2023	Gift Deed, Transfer
Aug 15, 2023	Intrafamily Transfer, Transfer
Jul 30, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 29, 2012
Deed Sale	Feb 29, 2012
Prior Sale	Dec 30, 2011 · Amount on Record
Deed Book / Page	391 / 2345
Last Transfer Date	Jul 21, 2023
Transfer Doc	00479/2379
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	148 BELL CT, SALUDA, NC 28773-0480
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	CROWN TITLE CORPORATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1335 S VILLAGE SQ, VERO BEACH, FL 32966-1250

Mortgage

Document Number	000482/465
Date	Dec 7, 2023
Book Page	482/465

Lender

Name	DOLLAR BANK FSB
Type	Bank
Address	PITTSBURGH, PA 15222

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7%
Type Change Date	Jan 1, 2031
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	12%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12%

August 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	POLK NC
Recording Date	Aug 15, 2023
Property Address	148 BELL CT, SALUDA, NC 28773-0480
Document Number	00479/2379
Book / Page	479 / 2379
Instrument Date	Jul 21, 2023
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	53 SOVEREIGN WAY, HUTCHINSON ISLAND, FL 34949-8367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1335 S VILLAGE SQ, VERO BEACH, FL 32966-1250

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Aug 15, 2023
Property Address	148 BELL CT, SALUDA, NC 28773-0480
Document Number	00479/2381
Book / Page	479 / 2381
Instrument Date	Jul 21, 2023
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	51 BELL CT, SALUDA, NC 28773-8896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1335 S VILLAGE SQ, VERO BEACH, FL 32966-1250

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 30, 2019
Property Address	148 BELL CT, SALUDA, NC 28773-0480
Document Number	000442/346
Book / Page	442 / 346
Instrument Date	Jul 30, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SPRING HAVEN DR, FLAT ROCK, NC 28731-8719

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	$5,690.00 (+7.02%)	$532,973 (-) Land $35,000 Building $497,973	$532,973 (-) Land $35,000 Building $497,973
2025	$5,317.00 (+2,026.8%)	$532,973 (+2,564.87%) Land $35,000 Building $497,973	$532,973 (+2,564.87%) Land $35,000 Building $497,973
2023	$250.00 (+2.46%)	$20,000 (-) Land $20,000
2022	$244.00	$20,000 Land $20,000
2021			$20,000 Land $20,000

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
Flood Insurance Cost	Premium on Record median of 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	19 (1978–2024)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 claims

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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% 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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
RiverStreet Networks Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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