2913 Holbert Cove Rd, Saluda, NC 28773 Property Records

Polk County property record for 2913 Holbert Cove Rd, Saluda, NC 28773 · Last verified October 2025

Property Summary

Property Type	Other Improved
Lot Size	3.53 acres (153,767 sqft)
Owner	Individual Name on File
Tax Bill	$1,888 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`P22-153`

Property Details

APN / Parcel Number

Primary APN	`P22-153`

Exterior

Lot Area	153,767 sqft (3.53 acres)

Location & Zoning

Street Address	2913 HOLBERT COVE RD
City	SALUDA
State	NC
Zip	28773-9559
Property Category	Other
Property Type	Other > Other Improved
Legal Description	P13A
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2024
Census Tract	920201

Owner

Source: Polk County records · APN P22-153

Assessment roll updated January 1, 2025 · Last verified October 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2913 HOLBERT COVE RD, SALUDA, NC 28773-9559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	May 24, 2022
Transfer Doc	000470/538
Record Updated	Jun 08, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	2913 HOLBERT COVE RD, SALUDA, NC 28773-9559
Transaction Type	Mortgage
Record Updated	Apr 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00484/1476
Date	Apr 04, 2024
Book Page	484/1476

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 25, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,888.00 (+205.5%)	$324,075 (+263.98%) Land $49,908 Building $274,167	$324,075 (+263.98%) Land $49,908 Building $274,167
2023	$618.00	$89,036 Land $31,345 Building $57,691
2021			$89,036 Land $31,345 Building $57,691

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499202012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 22 individual NFIP policies nearby
Nearby Flood Policies	22 in force 4 of 22 on primary residences
Nearby Flood Claims	3 (2024)
Most Recent Claim	Sep 2024, rainfall accumulation, Tropical Storm Helene
Flood Events	Tropical Storm Helene (Sep 2024), 3 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 3,226 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.