Polk County property record for 2274 Holbert Cove Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,026 sqft · built 1927 |
| Lot Size | 1.87 acres (81,457 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $96,000 (Jul 2006) |
| Tax Bill | $909 (2026) |
| Deeds & Mortgages | Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P13-27 |
| Primary APN | P13-27 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 1,026 sqft Finished Area |
| Year Built | Built 1927 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 81,457 sqft (1.87 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Account Number | 34666 |
|---|---|
| Street Address | 2274 HOLBERT COVE RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-8514 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | HC |
| Legal Description | P13A, P13A P13A |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 920201 |
2274 Holbert Cove Rd is owned and occupied by two individuals who bought it in July 2006.
Source: Polk County records, as of September 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2274 HOLBERT COVE RD, SALUDA, NC 28773-8514 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 21, 2006 · Amount on File |
| Deed Sale | Jul 21, 2006 · Amount on File |
| Prior Sale | Aug 12, 1999 |
| Deed Book / Page | 343 / 1481 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 2274 HOLBERT COVE RD, SALUDA, NC 28773-8514 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 441/1741 |
|---|---|
| Date | Jul 8, 2019 |
| Book Page | 441/1741 |
| Name | STATE EMPLOYEES CREDIT UNION |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount on Record |
The 2026 property tax bill for 2274 Holbert Cove Rd was $909, down 7.3% from the year before.
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $909.00 (-7.34%) | $154,165 (-8.5%) Land $51,960 Building $102,205 | $154,165 (-8.5%) Land $51,960 Building $102,205 |
| 2025 | $981.00 | $168,485 Land $66,280 Building $102,205 | $168,485 Land $66,280 Building $102,205 |
| 2023 | $773.00 | $111,447 Land $41,950 Building $69,497 | |
| 2021 | $111,447 Land $41,950 Building $69,497 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2274 Holbert Cove Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.
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 File 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 |
|
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 risk around 2274 Holbert Cove Rd is low, with a 0.04% 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 | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 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 |
5G (outdoors only) and 4G LTE
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