312 Crescent St, Saluda, NC 28773 Property Records

Polk County property record for 312 Crescent St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,200 sqft · built 1940
Lot Size	0.58 acres (25,265 sqft)
Owner	2 Individual Names on File
Last Sale	$290,000 (Jun 2022)
Tax Bill	$3,031 (2026)
Deeds & Mortgages	Apr 2026 Reverse Mortgage Apr 2026 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S5-G2`

Property Details

APN / Parcel Number

Primary APN	`S5-G2`
Alternative APN	`34657`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,200 sqft Finished Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1985
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	25,265 sqft (0.58 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	34657
Street Address	312 CRESCENT ST
City	SALUDA
State	NC
Zip	28773-0465
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	1 LOT, 0M01 MEADOWVIEW S/D
Legal Subdivision	MEADOWVIEW S/D
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2045
Census Tract	920303

Owner

312 Crescent St is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	312 CRESCENT ST, SALUDA, NC 28773-0465
Occupancy	Owner Occupied
Owner Type	Individual

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
Apr 29, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Apr 29, 2026	Deed of Trust · Reverse Mortgage ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L
Jun 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance STATE EMPLOYEES CREDIT UNION
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on File
Deed Sale	Jun 29, 2022 · Amount on File
Prior Sale	Jul 21, 2006 · Amount on File
Deed Book / Page	471 / 132
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Apr 29, 2026
Property Address	312 CRESCENT ST, SALUDA, NC 28773-0465
Document Number	0499000924
Book / Page	499 / 924
Instrument Date	Apr 23, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CRESCENT ST, SALUDA, NC 28773-0465

Mortgage

Document Number	0499000924,
Date	Apr 29, 2026
Book Page	499/924

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	900 Months
Due	Apr 26, 2101

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Apr 29, 2026
Property Address	312 CRESCENT ST, SALUDA, NC 28773-0465
Document Number	0499000939
Book / Page	499 / 939
Instrument Date	Apr 23, 2026
Record Updated	Aug 28, 2026
Title Company	ALLEGIANT REVERSE SERVICES, ALLEGIANT REVERSE SERVICES L

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 CRESCENT ST, SALUDA, NC 28773-0465

Mortgage

Document Number	0499000939,
Date	Apr 29, 2026
Book Page	499/939

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	900 Months
Due	Apr 26, 2101

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	312 CRESCENT ST, SALUDA, NC 28773-0465
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000441/261
Date	Jun 10, 2019
Book Page	441/261

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2034

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 29, 2022
Property Address	312 CRESCENT ST, SALUDA, NC 28773-0465
Document Number	000471/132
Book / Page	471 / 132
Instrument Date	Jun 14, 2022
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$580.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 416, SALUDA, NC 28773-0416

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 CRESCENT DR, SALUDA, NC 28773-9786

Mortgage

Document Number	0000471135
Date	Jun 29, 2022
Instrument	471/135

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 312 Crescent St was $3,031, up 7% 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	$3,031.00 (+7.03%)	$283,907 (-) Land $63,800 Building $220,107	$283,907 (-) Land $63,800 Building $220,107
2025	$2,832.00	$283,907 Land $63,800 Building $220,107	$283,907 Land $63,800 Building $220,107
2023	$1,776.00	$141,636 Land $52,200 Building $89,436
2021			$141,636 Land $52,200 Building $89,436

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 312 Crescent 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 312 Crescent 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
RiverStreet Networks Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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