35 Towhee Ln, Saluda, NC 28773 Property Records

Polk County property record for 35 Towhee Ln, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,699 sqft · built 1896
Lot Size	1.8 acres (78,408 sqft)
Owner	2 Individual Names on File
Last Sale	$1,000,000 (Mar 2026)
Tax Bill	$7,985 (2026)
Deeds & Mortgages	Nov 2025 Line of Credit Mar 2007 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S6-G1`

Property Details

APN / Parcel Number

Primary APN	`S6-G1`
Alternative APN	`37456`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	3,699 sqft Finished Area
Basement Area	870 sqft
Finished Basement	870 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1896
Effective Year Built	Effective 1980
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Metal
Lot Area	78,408 sqft (1.8 acres)
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	37456
Street Address	35 TOWHEE LN
City	SALUDA
State	NC
Zip	28773-0650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	S6A, 0S56 SALUDA RES AREA 56
Legal Subdivision	SALUDA RES AREA 56
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2049
Census Tract	920303

Owner

35 Towhee Ln is owned by two individuals who bought it in March 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	188 TRADD ST, CHARLESTON, SC 29401-1818
Owner Type	Individual
Vesting	Married Couple

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
Nov 24, 2025	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 8, 2007	Deed of Trust, Mortgage · Line of Credit FIRST TENNESSEE BANK NA
Mar 2, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 5, 2025	Warranty Deed, Transfer
May 25, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 2, 2026 · Amount on File
Deed Sale	Mar 2, 2026 · Amount on File
Prior Sale	May 25, 2018 · Amount on File
Deed Book / Page	497 / 2088
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	35 TOWHEE LN, SALUDA, NC 28773-0650
Transaction Type	Mortgage
Record Updated	Mar 12, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	170 TOWHEE LN, SALUDA, NC 28773

Mortgage

Document Number	00495/2382
Date	Nov 24, 2025
Book Page	495/2382

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	35 TOWHEE LN, SALUDA, NC 28773-0650
Transaction Type	Mortgage
Record Updated	Mar 12, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00351/1001
Date	Mar 8, 2007
Book Page	351/1001

Lender

Name	FIRST TENNESSEE BANK NA
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 2, 2026
Property Address	35 TOWHEE LN, SALUDA, NC 28773-0650
Document Number	00497/2088
Book / Page	497 / 2088
Map Reference	FILE E PG 984
Instrument Date	Feb 26, 2026
Transaction Type	Transfer
Record Updated	Mar 12, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	42 WAXWING WAY, HENDERSONVILLE, NC 28792-2840

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	188 TRADD ST, CHARLESTON, SC 29401-1818

Mortgage

Document Number	0004972091
Date	Mar 2, 2026
Instrument	497/2091

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

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

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 5, 2025
Property Address	35 TOWHEE LN, SALUDA, NC 28773-0650
Document Number	00491/1982
Book / Page	491 / 1982
Instrument Date	Apr 18, 2025
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 295, SALUDA, NC 28773-0295

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 TOWHEE RD, SALUDA, NC 28773-8906

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 25, 2018
Property Address	35 TOWHEE LN, SALUDA, NC 28773-0650
Document Number	00433/1544
Book / Page	433 / 1544
Instrument Date	May 25, 2018
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	667 E TUGALO ST, TOCCOA, GA 30577-2135

Tax Assessment & Valuation

The 2026 property tax bill for 35 Towhee Ln was $7,985, 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	$7,985.00 (+6.97%)	$747,938 (-0.05%) Land $153,000 Building $594,938	$747,938 (-0.05%) Land $153,000 Building $594,938
2025	$7,465.00	$748,288 Land $153,350 Building $594,938	$748,288 Land $153,350 Building $594,938
2023	$6,640.00	$529,402 Land $120,250 Building $409,152
2021			$529,402 Land $120,250 Building $409,152

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

Flood

FEMA maps place 35 Towhee Ln 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 Towhee Ln 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 117 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
RiverStreet Networks Fiber	1,000 / 1,000

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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