228 Pacolet St, Saluda, NC 28773 Property Records

Henderson County property record for 228 Pacolet St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1976
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Tax Bill	$693 (2025)
Deeds & Mortgages	Jan 2024 Line of Credit Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9595843287`

Property Details

APN / Parcel Number

Primary APN	`9595843287`
Alternative APNs	`0601225` `601225`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,344 sqft Heated Area
1st Floor Area	1,344 sqft
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	60 sqft
Shed	1 Shed
Shed Area	312 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	601225
Street Address	228 PACOLET ST
City	SALUDA
State	NC
Zip	28773-8755
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	601225~R3
Legal Description	SR1848OFF PACOLET RD
Legal Block	84
Legal Lot Number	3287
Jurisdiction	HENDERSON NC
Township / Civil Division	GREEN RIVER
Census Block Group	3
Census Block	3031
Census Tract	932000

Owner

228 Pacolet St is owned and occupied by an individual.

Source: Henderson County records, as of July 14, 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	Individual Name on File
Mailing Address	228 PACOLET ST, SALUDA, NC 28773-8755
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2024	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Oct 6, 2022	Deed of Trust, Mortgage · Line of Credit UNITED FCU
Jul 12, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	228 PACOLET ST, SALUDA, NC 28773-8755
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2000 HENDERSONVILLE RD, ASHEVILLE, NC 28803-2128

Mortgage

Document Number	0041240399
Date	Jan 9, 2024
Book Page	4124/399
Instrument	1001008904

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HENDERSON NC
Property Address	228 PACOLET ST, SALUDA, NC 28773-8755
Transaction Type	Mortgage
Record Updated	Oct 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0039720039
Date	Oct 6, 2022
Book Page	3972/39
Instrument	987744

Lender

Name	UNITED FCU
Type	Credit Union
Address	SAINT JOSEPH, MI 49085

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	115 Months
Due	May 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HENDERSON NC
Recording Date	Jul 12, 2017
Property Address	228 PACOLET ST, SALUDA, NC 28773-8755
Document Number	0030770217
Book / Page	003077 / 000217
Instrument Date	Jul 12, 2017
Transaction Type	Transfer
Record Updated	Oct 9, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PACOLET ST SALUDA NC 287738755, SALUDA, NC 28773-8755

Tax Assessment & Valuation

The 2025 property tax bill for 228 Pacolet St was $693.

Source: Henderson County assessment roll, as of July 14, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$125,800 Land $19,700 Building $106,100
2025	$693.00
2023		$125,200 Land $19,700 Building $105,500	$125,800 Land $19,700 Building $106,100

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

Flood

FEMA maps place 228 Pacolet St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2024.

Source: FEMA National Flood Hazard Layer, effective October 12, 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	3 in force
Nearby Flood Claims	2 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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

Wildfire risk around 228 Pacolet St 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

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

Cell Coverage

5G (outdoors only) and 4G LTE

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