157 Early Rd, Saluda, NC 28773 Property Records

Polk County property record for 157 Early Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,962 sqft · built 2002
Lot Size	5.12 acres (223,027 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Aug 2022)
Tax Bill	$1,500 (2026)
Deeds & Mortgages	Apr 2018 Mortgage Jan 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P23-22`

Property Details

APN / Parcel Number

Primary APN	`P23-22`
Alternative APN	`54879`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,962 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2012
Architectural Style	Mobile Home
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	223,027 sqft (5.12 acres)
Deck Area	Deck Area

Location & Zoning

Account Number	54879
Street Address	157 EARLY RD
City	SALUDA
State	NC
Zip	28773-9615
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MX
Legal Description	P23, 0000 00 X 00, P23 MAP P23
Legal Subdivision	MAP P23
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1040
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	157 EARLY RD, SALUDA, NC 28773-9615
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2018	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FINANCIAL COMPANY, LP
Jan 31, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 30, 2022	Warranty Deed, Transfer · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Mar 17, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2022 · Amount on Record
Deed Sale	Aug 30, 2022 · Amount on Record
Prior Sale	Mar 17, 2017 · Amount on Record
Deed Book / Page	472 / 1532
Record Updated	Oct 29, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	157 EARLY RD, SALUDA, NC 28773-9615
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000432/0000002206
Date	Apr 17, 2018
Book Page	0000000432/0000002206

Lender

Name	CARDINAL FINANCIAL COMPANY, LP

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2048

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	157 EARLY RD, SALUDA, NC 28773-9615
Transaction Type	Mortgage
Record Updated	Nov 8, 2022
Title Company	ADVANTAGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000446/850
Date	Jan 31, 2020
Book Page	446/850

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 30, 2022
Property Address	157 EARLY RD, SALUDA, NC 28773-9615
Document Number	00472/1532
Book / Page	472 / 1532
Instrument Date	Aug 29, 2022
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$420.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	157 EARLY RD, 157, SALUDA, NC 28773-9615

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	157 EARLY RD, SALUDA, NC 28773-9615

Mortgage

Document Number	0004721535
Date	Aug 30, 2022
Instrument	472/1535

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 17, 2017
Property Address	157 EARLY RD, SALUDA, NC 28773-9615
Document Number	00425/1168
Book / Page	425 / 1168
Map Reference	DD 369 PG 533
Instrument Date	Mar 17, 2017
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$356.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9962, ASHEVILLE, NC 28815-0962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	157 EARLY RD, SALUDA, NC 28773-9615

Mortgage

Document Number	00425/1171
Date	Mar 17, 2017
Book Page	425/1171
Instrument	004640870014

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,500.00 (+1.28%)	$254,297 (-) Land $63,840 Building $190,457	$254,297 (-) Land $63,840 Building $190,457
2025	$1,481.00 (+20.7%)	$254,297 (+43.8%) Land $63,840 Building $190,457	$254,297 (+43.8%) Land $63,840 Building $190,457
2023	$1,227.00	$176,836 Land $31,480 Building $145,356
2021			$176,836 Land $31,480 Building $145,356

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 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverStreet Networks Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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