2675 Holbert Cove Rd, Saluda, NC 28773 Property Records

Polk County property record for 2675 Holbert Cove Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3.5 ba · 1,756 sqft · built 2014
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on Record
Last Sale	$605,000 (Sep 2026)
Tax Bill	$2,986 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`P13-137`

Property Details

APN / Parcel Number

Primary APN	`P13-137`
Alternative APN	`42272`

Interior

Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,756 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	174,240 sqft (4 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	42272
Street Address	2675 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	9.19 ACRES, 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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2675 HOLBERT COVE RD, SALUDA, NC 28773-9561
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE
May 14, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2026 · Amount on Record
Deed Sale	Sep 14, 2026 · Amount on Record
Prior Sale	Jun 20, 2013 · Amount on Record
Deed Book / Page	502 / 781
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 14, 2026
Property Address	2675 HOLBERT COVE RD, SALUDA, NC 28773-9561
Document Number	0502000781
Book / Page	502 / 781
Instrument Date	Aug 28, 2026
Transaction Type	Transfer
Record Updated	Sep 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$122,210.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2675 HOLBERT COVE RD, SALUDA, NC 28773-9561

Mortgage

Document Number	0502000784,
Date	Sep 14, 2026
Book Page	502/784

Lender

Name	ATLANTIC BAY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 14, 2020
Property Address	2675 HOLBERT COVE RD, SALUDA, NC 28773-9561
Document Number	00448/1619
Book / Page	448 / 1619
Map Reference	FILE F PG 1445
Instrument Date	May 14, 2020
Transaction Type	Transfer
Record Updated	May 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	995 CUDD ROAD, 995, RUTHERFORDTON, NC 28139

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1008 CUDD ROAD, RUTHERFORDTON, NC 28139

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	$2,986.00 (-5.48%)	$505,948 (-6.7%) Land $51,000 Building $454,948	$505,948 (-6.7%) Land $51,000 Building $454,948
2025	$3,159.00 (+20.34%)	$542,278 (+43.4%) Land $87,330 Building $454,948	$542,278 (+43.4%) Land $87,330 Building $454,948
2023	$2,625.00	$378,166 Land $71,425 Building $306,741
2021			$378,166 Land $71,425 Building $306,741

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 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

4G LTE only, no 5G reported

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