1998 Holbert Cove Rd, Saluda, NC 28773 Property Records

Polk County property record for 1998 Holbert Cove Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,456 sqft · built 1999
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,048 (2026)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P13-102`

Property Details

APN / Parcel Number

Primary APN	`P13-102`
Alternative APN	`24039`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,456 sqft Finished Area

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	43,560 sqft (1 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	24039
Street Address	1998 HOLBERT COVE RD
City	SALUDA
State	NC
Zip	28773-8520
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	HC
Legal Description	C-1024 LOT 1 .32 AC, LOT 2 .68 AC, P13A P13A
Legal Subdivision	P13A
Legal Lot Number	1,2
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2038
Census Tract	920201

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	1998 HOLBERT COVE RD, SALUDA, NC 28773-8520
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	237 / 585
Last Transfer Date	Feb 4, 2021
Transfer Doc	0000456/64
Record Updated	Oct 29, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Feb 10, 2021
Property Address	1998 HOLBERT COVE RD, SALUDA, NC 28773
Document Number	0000456/64
Book / Page	456 / 64
Map Reference	CARD C PG 1024
Instrument Date	Feb 4, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1998 HOLBERT COVE RD, SALUDA, NC 28773

Mortgage

Document Number	0000045667
Date	Feb 10, 2021
Instrument	456/67

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

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	$1,048.00 (+1.26%)	$177,731 (-) Land $45,000 Building $132,731	$177,731 (-) Land $45,000 Building $132,731
2025	$1,035.00 (+35.65%)	$177,731 (+61.64%) Land $45,000 Building $132,731	$177,731 (+61.64%) Land $45,000 Building $132,731
2023	$763.00	$109,958 Land $22,000 Building $87,958
2021			$109,958 Land $22,000 Building $87,958

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 22 policies
Nearby Flood Policies	22 in force
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 3 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 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

Cell Coverage

5G (outdoors only) and 4G LTE

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