Polk County property record for 3453 Holbert Cove Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3.5 ba · 672 sqft · built 1940 |
| Lot Size | 1.35 acres (58,806 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,050 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | P22-4 |
| Primary APN | P22-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 672 sqft Finished Area |
| Basement Area | 1,568 sqft |
| Unfinished Basement | 1,568 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 58,806 sqft (1.35 acres) |
| Deck Area | Deck Area |
| Heating System | HVAC |
|---|
| Account Number | 22403 |
|---|---|
| Street Address | 3453 HOLBERT COVE RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-9557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | 12.00 BY DEED., P13A P13A |
| Legal Subdivision | P22B |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 920201 |
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 | 3453 HOLBERT COVE RD, SALUDA, NC 28773-9557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 225 / 416 |
| Record Updated | Oct 29, 2026 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,050.00 (+1.28%) | $347,422 (-) Land $47,800 Building $299,622 | $347,422 (-) Land $47,800 Building $299,622 |
| 2025 | $2,024.00 (+61.4%) | $347,422 (+92.23%) Land $47,800 Building $299,622 | $347,422 (+92.23%) Land $47,800 Building $299,622 |
| 2023 | $1,254.00 | $180,737 Land $24,625 Building $156,112 | |
| 2021 | $180,737 Land $24,625 Building $156,112 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| RiverStreet Networks Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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