3620 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 3620 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 1 ba · 1,416 sqft · built 1980
Lot Size	0.66 acres (28,750 sqft)
Owner	Company Name on Record
Last Sale	$15,000 (Sep 2026)
Tax Bill	$710 (2026)
Deeds & Mortgages	Sep 2026 Sale Jan 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`P34-58`

Property Details

APN / Parcel Number

Primary APN	`P34-58`
Alternative APN	`40885`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,416 sqft Finished Area

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Cottage
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	28,750 sqft (0.66 acres)
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	40885
Street Address	3620 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-9857
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MX
Legal Description	P34, 0000 00 X 00, P34 MAP P34
Legal Subdivision	MAP P34
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1038
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	Company Name on Record
Mailing Address	3618 HOWARD GAP RD, SALUDA, NC 28773-9857
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Jan 11, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage MEHER HOLDINGS LLC
Oct 4, 2022	Warranty Deed, Transfer
Mar 10, 2020	Warranty Deed, Transfer
Jan 11, 2019	Warranty Deed, Transfer
Jan 11, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 2, 2026 · Amount on Record
Deed Sale	Sep 2, 2026 · Amount on Record
Prior Sale	Oct 4, 2022 · Amount on Record
Deed Book / Page	502 / 152
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 2, 2026
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	0502000152
Book / Page	502 / 152
Instrument Date	Aug 24, 2026
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$3,030.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3618 HOWARD GAP RD, SALUDA, NC 28773-9857

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000431/153
Date	Jan 11, 2018
Book Page	431/153

Lender

Name	MEHER HOLDINGS LLC
Type	Non-Lending Institution
Address	ASHEVILLE, NC 28803

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	87 Months
Due	Apr 15, 2025

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 4, 2022
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	00473/1247
Book / Page	473 / 1247
Instrument Date	Oct 4, 2022
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$20.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	100 DREAM LIFE LN, 100, SALUDA, NC 28773-0230

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 10, 2020
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	000447/424
Book / Page	447 / 424
Instrument Date	Mar 5, 2020
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3656 HOWARD GAP RD, 3656, SALUDA, NC 28773-9857

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 11, 2019
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	000438/330
Book / Page	438 / 330
Instrument Date	Jan 9, 2019
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 11, 2018
Property Address	3620 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	00431/0150
Book / Page	431 / 0150
Instrument Date	Jan 11, 2017
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Tax	$140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 TOWN SQUARE BLVD, 8, ASHEVILLE, NC 28803-5044

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857

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	$710.00 (+1.28%)	$120,452 (-) Land $29,700 Building $90,752	$120,452 (-) Land $29,700 Building $90,752
2025	$701.00 (+67.3%)	$120,452 (+99.4%) Land $29,700 Building $90,752	$120,452 (+99.4%) Land $29,700 Building $90,752
2023	$419.00	$60,408 Land $16,500 Building $43,908
2021			$60,408 Land $16,500 Building $43,908

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	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.05% 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 28 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

May also be available: Skyrunner, Spectrum.

Cell Coverage

5G (outdoors only) and 4G LTE

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