152 Bell Ct, Saluda, NC 28773 Property Records

Polk County property record for 152 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	$4,230 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Aug 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S3-B18`

Property Details

APN / Parcel Number

Primary APN	`S3-B18`
Alternative APN	`40522`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	40522
Street Address	152 BELL CT
City	SALUDA
State	NC
Zip	28773-0480
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	M
Legal Description	LOT 6, PHASE TWO, 0F07 FOREST CREEK 09
Legal Subdivision	FOREST CREEK
Legal Phase	2
Legal Lot Number	6
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	152 BELL CT, SALUDA, NC 28773-0480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Quit Claim Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Aug 15, 2023	Gift Deed, Transfer
Apr 17, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026
Deed Sale	Jul 31, 2026
Prior Sale	Feb 29, 2012
Deed Book / Page	501 / 986
Prior Transfer Date	Jul 21, 2023
Prior Transfer Doc	00479/2377
Record Updated	Oct 29, 2026

July 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK NC
Recording Date	Jul 31, 2026
Property Address	152 BELL CT, SALUDA, NC 28773-0480
Document Number	0501000986
Book / Page	501 / 986
Instrument Date	Jul 21, 2026
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	PRIORITY TITLE AND ESCROW, PRIORITY TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	152 BELL CT, SALUDA, NC 28773-0480

Mortgage

Document Number	0501000990,
Date	Jul 31, 2026
Book Page	501/990

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Gift Deed, Transfer

Document Type	Gift Deed
Jurisdiction	POLK NC
Recording Date	Aug 15, 2023
Property Address	152 BELL CT, SALUDA, NC 28773-0480
Document Number	00479/2377
Book / Page	479 / 2377
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	53 SOVEREIGN WAY, HUTCHINSON ISLAND, FL 34949-8367

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 17, 2020
Property Address	152 BELL CT, SALUDA, NC 28773-0480
Document Number	000448/132
Book / Page	448 / 132
Map Reference	FILE B PG 605
Instrument Date	Sep 23, 2019
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 411673, MELBOURNE, FL 32941-1673
Investor	Possibly a Property Investor

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	$4,230.00 (+7.01%)	$396,256 (-) Land $35,000 Building $361,256	$396,256 (-) Land $35,000 Building $361,256
2025	$3,953.00 (+1,481.2%)	$396,256 (+1,881.28%) Land $35,000 Building $361,256	$396,256 (+1,881.28%) Land $35,000 Building $361,256
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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