282 Charles St, Saluda, NC 28773 Property Records

Polk County property record for 282 Charles St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,428 sqft · built 1910
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Trust Names on File
Tax Bill	$874 (2026)
Deeds & Mortgages	May 2026 Sale May 2026 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S5-A1`

Property Details

APN / Parcel Number

Primary APN	`S5-A1`
Alternative APN	`10791`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,428 sqft Finished Area

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1965
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	26,572 sqft (0.61 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	10791
Street Address	282 CHARLES ST
City	SALUDA
State	NC
Zip	28773-6786
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	1 LOT #11, 0S56 SALUDA RES AREA 56
Legal Subdivision	SALUDA RES AREA 56
Legal Lot Number	11
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2042
Census Tract	920303

Owner

282 Charles St is held in a trust since September 2025.

Source: Polk County records, as of September 28, 2026

Owner of Record	2 Trust Names on File
Mailing Address	PO BOX 457, GREENWOOD, SC 29648-0457
Owner Type	Company
Vesting	Trust, Family Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 3, 2025	Warranty Deed, Transfer
Nov 3, 2025	Intrafamily Transfer, Transfer
Oct 1, 2025	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 1997
Deed Sale	Dec 31, 1997
Deed Book / Page	153 / 443
Last Transfer Date	Sep 25, 2025
Transfer Doc	00494/1923
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 26, 2026
Property Address	282 CHARLES ST, SALUDA, NC 28773
Document Number	0500000019
Book / Page	500 / 19
Instrument Date	May 15, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 26, 2026
Property Address	282 CHARLES ST, SALUDA, NC 28773
Document Number	0500000022
Book / Page	500 / 22
Instrument Date	May 14, 2026
Transaction Type	Transfer
Record Updated	Aug 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 3, 2025
Property Address	282 CHARLES ST, SALUDA, NC 28773-6786
Document Number	00495/1183
Book / Page	495 / 1183
Instrument Date	Oct 28, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 457, GREENWOOD, SC 29648-0457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 457, GREENWOOD, SC 29648-0457

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Nov 3, 2025
Property Address	282 CHARLES ST, SALUDA, NC 28773-6786
Document Number	00495/1180
Book / Page	495 / 1180
Instrument Date	Oct 28, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 457, GREENWOOD, SC 29648-0457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 457, GREENWOOD, SC 29648-0457

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Oct 1, 2025
Property Address	282 CHARLES ST, SALUDA, NC 28773-6786
Document Number	00494/1923
Book / Page	494 / 1923
Instrument Date	Sep 25, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 457, GREENWOOD, SC 29648-0457

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	PO BOX 457, GREENWOOD, SC 29648-0457

Tax Assessment & Valuation

The 2026 property tax bill for 282 Charles St was $874, down 32.9% from the year before.

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Municipality	Saluda City
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$874.00 (-32.92%)	$81,873 (-37.32%) Land $76,250 Building $5,623	$81,873 (-37.32%) Land $76,250 Building $5,623
2025	$1,303.00	$130,623 Land $125,000 Building $5,623	$130,623 Land $125,000 Building $5,623
2023	$3,311.00	$263,990 Land $100,000 Building $163,990
2021			$263,990 Land $100,000 Building $163,990

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

Flood

FEMA maps place 282 Charles St in Zone X, an area of minimal flood risk.

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
Nearby Flood Policies	1 in force

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 282 Charles St is low, with a 0.03% 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	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALUDA serves 1,814 people · EPA ID NC0175020
Water Source	Purchased surface water from CITY OF HENDERSONVILLE
Last State Inspection	Jun 2025
Lead	11 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
RiverStreet Networks Fiber	1,000 / 1,000

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on Charles St

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