161 Florida Ave, Saluda, NC 28773 Property Records

Polk County property record for 161 Florida Ave, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,346 sqft · built 1940
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Aug 2022)
Tax Bill	$2,793 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S12-A4`

Property Details

APN / Parcel Number

Primary APN	`S12-A4`
Alternative APN	`57440`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,346 sqft Finished Area
Basement Area	466 sqft
Unfinished Basement	466 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	16,988 sqft (0.39 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57440
Street Address	161 FLORIDA AVE
City	SALUDA
State	NC
Zip	28773-0600
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	S12, 0S64 SALUDA RES AREA 64
Legal Subdivision	SALUDA RES AREA 64
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2022
Census Tract	920303

Owner

Source: Polk County records, as of October 9, 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	1618 MEANS ST, CHARLESTON, SC 29412-2619
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Aug 12, 2022	Special Warranty Deed, Transfer · Conventional Mortgage TRUIST BANK
Jul 8, 2022	Warranty Deed, Transfer
Oct 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Jul 8, 2022 · Amount on Record
Deed Book / Page	472 / 304
Prior Transfer Date	Jan 18, 2019
Prior Transfer Doc	00443/1772
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	161 FLORIDA AVE, SALUDA, NC 28773-0600
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1618 MEANS ST, CHARLESTON, SC 29412-2619

Mortgage

Document Number	00494/1187
Date	Sep 15, 2025
Book Page	494/1187

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 12, 2022
Property Address	161 FLORIDA AVE, SALUDA, NC 28773-0600
Document Number	000472/304
Book / Page	472 / 304
Map Reference	FILE G PG 268
Instrument Date	Aug 9, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3012 GLENWOOD PL, COLUMBIA, SC 29204-3358

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1618 MEANS ST, CHARLESTON, SC 29412-2619

Mortgage

Document Number	0000472307
Date	Aug 12, 2022
Instrument	472/307

Lender

Name	TRUIST BANK
Type	Bank

Agreement

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

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 8, 2022
Property Address	161 FLORIDA AVE, SALUDA, NC 28773-0600
Document Number	000471/700
Book / Page	471 / 700
Instrument Date	Jun 29, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	226 BENNETT ST, MOUNT PLEASANT, SC 29464-5350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3012 GLENWOOD PL, COLUMBIA, SC 29204-3358

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 11, 2019
Property Address	189 FLORIDA ST, SALUDA, NC 28773-8722
Document Number	00443/1772
Book / Page	443 / 1772
Instrument Date	Jan 18, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

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	226 BENNETT ST, MOUNT PLEASANT, SC 29464-5350

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	$2,793.00 (+7.01%)	$261,653 (-) Land $78,000 Building $183,653	$261,653 (-) Land $78,000 Building $183,653
2025	$2,610.00 (+12.07%)	$261,653 (+40.86%) Land $78,000 Building $183,653	$261,653 (+40.86%) Land $78,000 Building $183,653
2023	$2,329.00	$185,749 Land $58,500 Building $127,249
2021			$185,749 Land $58,500 Building $127,249

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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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