187 E Columbia St, Saluda, NC 28773 Property Records

Polk County property record for 187 E Columbia St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,600 sqft · built 1896
Lot Size	2.52 acres (109,771 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Oct 2018)
Tax Bill	$4,102 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`S8-A1`

Property Details

APN / Parcel Number

Primary APN	`S8-A1`
Alternative APN	`56476`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,600 sqft Finished Area

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1950
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Metal
Lot Area	109,771 sqft (2.52 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56476
Street Address	187 E COLUMBIA ST
City	SALUDA
State	NC
Zip	28773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	S8, 0S56 SALUDA RES AREA 56
Legal Subdivision	SALUDA RES AREA 56
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2016
Census Tract	920303

Owner

187 E Columbia St is owned by an individual who bought it in October 2018.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 20341, CHARLESTON, SC 29413-0341
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit SOUTHERN FIRST BANK NA
Oct 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2018 · Amount on File
Deed Sale	Oct 30, 2018 · Amount on File
Prior Sale	Sep 15, 2006 · Amount on File
Deed Book / Page	436 / 2189
Prior Transfer Date	Sep 14, 2006
Prior Transfer Doc	00345/1435
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	187 E COLUMBIA ST, SALUDA, NC 28773-6787
Transaction Type	Mortgage
Record Updated	Nov 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4416 LOUISA LN, NORTH CHARLESTON, SC 29405-3253

Mortgage

Document Number	00495/1331
Date	Nov 5, 2025
Book Page	495/1331

Lender

Name	SOUTHERN FIRST BANK NA
Type	Bank
Address	CAYCE, SC 29033

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Nov 26, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 30, 2018
Property Address	187 E COLUMBIA ST, SALUDA, NC 28773-6787
Document Number	00436/2189
Book / Page	436 / 2189
Instrument Date	Oct 25, 2018
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 20341, CHARLESTON, SC 29413-0341

Tax Assessment & Valuation

The 2026 property tax bill for 187 E Columbia St was $4,102, up 2.5% from the year before.

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	$4,102.00 (+2.52%)	$384,195 (-4.2%) Land $178,200 Building $205,995	$384,195 (-4.2%) Land $178,200 Building $205,995
2025	$4,001.00	$401,051 Land $178,200 Building $222,851	$401,051 Land $178,200 Building $222,851
2023	$3,496.00	$278,724 Land $138,000 Building $140,724
2021			$278,724 Land $138,000 Building $140,724

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

Flood

FEMA maps place 187 E Columbia St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 187 E Columbia St is low, with a 0.03% annual chance of 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 and 4G LTE (outdoors only)

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