2665 Holbert Cove Rd, Saluda, NC 28773 Property Records

Polk County property record for 2665 Holbert Cove Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1988
Lot Size	1.7 acres (74,052 sqft)
Owner	2 Individual Names on File
Last Sale	$220,000 (Apr 2020)
Tax Bill	$2,609 (2026)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P13-57`

Property Details

APN / Parcel Number

Primary APN	`P13-57`
Alternative APN	`36471`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,602 sqft Finished Area
Basement Area	1,550 sqft
Unfinished Basement	1,550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Wood
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	74,052 sqft (1.7 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	36471
Street Address	2665 HOLBERT COVE RD
City	SALUDA
State	NC
Zip	28773-9561
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	P13, P13 MAP P13
Legal Subdivision	MAP P13
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2021
Census Tract	920201

Owner

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	2665 HOLBERT COVE RD, SALUDA, NC 28773-9561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2020 · Amount on File
Deed Sale	Apr 17, 2020 · Amount on File
Prior Sale	Dec 19, 2007 · Amount on File
Deed Book / Page	448 / 135
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 17, 2020
Property Address	2665 HOLBERT COVE RD, SALUDA, NC 28773-9561
Document Number	000448/135
Book / Page	448 / 135
Map Reference	FILE E PGG 1916
Instrument Date	Apr 17, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1901 COUNTRY CLUB RD, 1901, HENDERSONVILLE, NC 28739-5945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2665 HOLBERT COVE RD, SALUDA, NC 28773-9561

Mortgage

Document Number	0000448138
Date	Apr 17, 2020
Instrument	448/138

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

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	$2,609.00 (+13.58%)	$442,155 (+12.16%) Land $34,900 Building $407,255	$442,155 (+12.16%) Land $34,900 Building $407,255
2025	$2,297.00 (+20.26%)	$394,205 (+43.27%) Land $34,900 Building $359,305	$394,205 (+43.27%) Land $34,900 Building $359,305
2023	$1,910.00	$275,139 Land $15,250 Building $259,889
2021			$275,139 Land $15,250 Building $259,889

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 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	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 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 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

Cell Coverage

5G (outdoors only) and 4G LTE

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