320 Pollys Mountain Rd, Saluda, NC 28773 Property Records

Polk County property record for 320 Pollys Mountain Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 595 sqft · built 1970
Lot Size	3.5 acres (152,460 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,487 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P5-12`

Property Details

APN / Parcel Number

Primary APN	`P5-12`
Alternative APN	`11804`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Building Area	595 sqft Finished Area
Basement Area	560 sqft
Finished Basement	560 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	152,460 sqft (3.5 acres)
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	11804
Street Address	320 POLLYS MOUNTAIN RD
City	SALUDA
State	NC
Zip	28773-0315
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	HIDEAWAY, P5 MAP P5
Legal Subdivision	MAP P5
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1022
Census Tract	920303

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	PO BOX 483, SALUDA, NC 28773-0483
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEXUX NOVA LLC
Feb 24, 2023	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 23, 2022	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	152 / 1718
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	320 POLLYS MOUNTAIN RD, SALUDA, NC 28773-0315
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	ATLANTIS TITLE COMPANY, ATLAS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 POLLYS MOUNTAIN RD, SALUDA, NC 28773-0315

Mortgage

Document Number	00498/1540
Date	Mar 31, 2026
Book Page	498/1540

Lender

Name	NEXUX NOVA LLC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28277

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	320 POLLYS MOUNTAIN RD, SALUDA, NC 28773-0315
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	200 LE ANN DR, EASLEY, SC 29642-1322

Mortgage

Document Number	000476/544
Date	Feb 24, 2023
Book Page	476/544

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	Nov 23, 2022
Property Address	320 POLLYS MOUNTAIN RD, SALUDA, NC 28773-0315
Document Number	00474/1457
Book / Page	474 / 1457
Instrument Date	Nov 23, 2022
Transaction Type	Transfer
Record Updated	Dec 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 483, SALUDA, NC 28773-0483

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 483, SALUDA, NC 28773-0483

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	$1,487.00 (+1.29%)	$252,058 (-) Land $87,500 Building $164,558	$252,058 (-) Land $87,500 Building $164,558
2025	$1,468.00 (+106.18%)	$252,058 (+145.73%) Land $87,500 Building $164,558	$252,058 (+145.73%) Land $87,500 Building $164,558
2023	$712.00	$102,574 Land $47,500 Building $55,074
2021			$102,574 Land $47,500 Building $55,074

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 14 policies
Nearby Flood Policies	14 in force
Nearby Flood Claims	19 (1978–2024)
Claims Outside the SFHA	12 of 19
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 8 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 64% of the US · above 49% 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 15 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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