3521 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 3521 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,644 sqft · built 1983
Lot Size	15 acres (657,320 sqft)
Owner	2 Individual Names on File
Last Sale	$1,025,000 (Jul 2023)
Tax Bill	$5,928 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage May 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`P34-49`

Property Details

APN / Parcel Number

Primary APN	`P34-49`
Alternative APN	`54016`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Building Area	2,644 sqft Finished Area
Basement Area	2,644 sqft
Finished Basement	2,000 sqft
Unfinished Basement	644 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	657,320 sqft (15 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	54016
Street Address	3521 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-9853
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	BY PLAT, P34 MAP P34
Legal Subdivision	MAP P34
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1003
Census Tract	920303

Owner

Source: Polk County records · APN P34-49

Assessment roll updated September 30, 2025 · Last verified April 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 File
Mailing Address	PO BOX 113, FLAT ROCK, NC 28731-0113
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 06, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Mar 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage HIGHLANDS RESIDENTIAL MORTGAGE LTD
Feb 06, 2017	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY MORTGAGE SERVICES INC
Dec 03, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED COMMUNITY BANK
Sep 16, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance UNITED COMMUNITY BANK
Oct 16, 2017	Deed of Trust, Mortgage · Line of Credit INDEPENDENT BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2023 · Amount on Record
Deed Sale	Jul 21, 2023 · Amount on Record
Prior Sale	Apr 26, 2016 · Amount on Record
Deed Book / Page	479 / 1224
Record Updated	Jun 08, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 21, 2023
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Document Number	00479/1224
Book / Page	479 / 1224
Map Reference	FILE D PG 371
Instrument Date	Jul 21, 2023
Transaction Type	Transfer
Record Updated	Aug 08, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 113, FLAT ROCK, NC 28731-0113

Mortgage

Document Number	0004791227
Date	Jul 21, 2023
Instrument	479/1227

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	Jun 06, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853

Mortgage

Document Number	00469/1962
Date	May 06, 2022
Book Page	469/1962

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	May 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	457/837
Date	Mar 10, 2021
Book Page	457/837

Lender

Name	HIGHLANDS RESIDENTIAL MORTGAGE LTD
Type	Mortgage Company
Address	DALLAS, TX 75243

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	424/1802
Date	Feb 06, 2017
Book Page	424/1802
Instrument	004635980010

Lender

Name	UNITED COMMUNITY MORTGAGE SERVICES INC
Type	Mortgage Company
Address	BLAIRSVILLE, GA 30514

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	444/2447
Date	Dec 03, 2019
Book Page	444/2447

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	301 Months
Due	Jan 01, 2045

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	Oct 09, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	443/185
Date	Sep 16, 2019
Book Page	443/185

Lender

Name	UNITED COMMUNITY BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3521 HOWARD GAP RD, SALUDA, NC 28773-9853
Transaction Type	Mortgage
Record Updated	Oct 30, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 004666240011
Date	Oct 16, 2017
Book Page	429/1086
Instrument	004666240011

Lender

Name	INDEPENDENT BANK
Type	Bank
Address	HENDERSONVILLE, NC 28792

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,928.00 (+108.51%)	$1,017,389 (+148.45%) Land $154,303 Building $863,086	$1,110,806 (+127.24%) Land $247,720 Building $863,086
2023	$2,843.00 (+4.52%)	$409,501 (-) Land $56,803 Building $352,698
2022	$2,720.00	$409,501 Land $56,803 Building $352,698
2021			$488,828 Land $136,130 Building $352,698

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), as of July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Wilkes Telephone Membership Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Skyrunner, Spectrum.

Based on FCC filings for 28 locations within half a mile of this property.

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