35 Pacolet St, Saluda, NC 28773 Property Records

Polk County property record for 35 Pacolet St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,219 sqft · built 1940
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Sep 1998)
Tax Bill	$5,728 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S15-A11`

Property Details

APN / Parcel Number

Primary APN	`S15-A11`
Alternative APN	`25914`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,219 sqft Finished Area
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1980
Exterior Material	Aluminum/Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	45,738 sqft (1.05 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	25914
Street Address	35 PACOLET ST
City	SALUDA
State	NC
Zip	28773-9727
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	S15, 0S61 SALUDA RES AREA 61
Legal Subdivision	SALUDA RES AREA 61
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2054
Census Tract	920303

Owner

35 Pacolet St is owned and occupied by two individuals who bought it in September 1998.

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

Owner of Record	2 Individual Names on File
Mailing Address	35 PACOLET ST, SALUDA, NC 28773-9727
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

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 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIDELITY NATIONAL TITLE INSURANCE
Apr 18, 2018	Deed of Trust, Mortgage FIRST CITIZEN B&T CO
Sep 27, 2017	Deed of Trust, Mortgage · Commercial Mortgage ACOPIA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 1998 · Amount on File
Deed Sale	Sep 4, 1998 · Amount on File
Prior Sale	Dec 31, 1997
Deed Book / Page	249 / 2123
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	35 PACOLET ST, SALUDA, NC 28773-9727
Transaction Type	Mortgage
Record Updated	Apr 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	458/457
Date	Apr 7, 2021
Book Page	458/457

Lender

Name	FIDELITY NATIONAL TITLE INSURANCE
Type	Insurance Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	35 PACOLET ST, SALUDA, NC 28773-9727
Transaction Type	Mortgage
Record Updated	May 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000432/0000002291
Date	Apr 18, 2018
Book Page	0000000432/0000002291

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Amount	Amount on Record

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	35 PACOLET ST, SALUDA, NC 28773-9727
Transaction Type	Mortgage
Record Updated	Oct 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 004663990010
Date	Sep 27, 2017
Book Page	429/251
Instrument	004663990010

Lender

Name	ACOPIA LLC
Type	Mortgage Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2032

Tax Assessment & Valuation

The 2026 property tax bill for 35 Pacolet St was $5,728, 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	$5,728.00 (+7.01%)	$536,549 (-) Land $101,250 Building $435,299	$536,549 (-) Land $101,250 Building $435,299
2025	$5,353.00	$536,549 Land $101,250 Building $435,299	$536,549 Land $101,250 Building $435,299
2023	$4,615.00	$368,013 Land $101,250 Building $266,763
2021			$368,013 Land $101,250 Building $266,763

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

Flood

FEMA maps place 35 Pacolet 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 35 Pacolet St is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% 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.

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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