3656 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 3656 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,492 sqft · built 1950
Lot Size	2.32 acres (101,059 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Sep 2026)
Tax Bill	$1,304 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`P34-7`

Property Details

APN / Parcel Number

Primary APN	`P34-7`
Alternative APN	`40885`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Total Rooms	4 Rooms
Building Area	1,492 sqft Finished Area
Basement Area	304 sqft
Unfinished Basement	304 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1985
Architectural Style	Cottage
Exterior Material	Vinyl
Roof Type	Gable
Roof Material	Metal
Lot Area	101,059 sqft (2.32 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	40885
Street Address	3656 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, 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 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Warranty Deed, Transfer · Conventional Mortgage BAY BANK TRUST COMPANY
Jan 11, 2018	Deed of Trust, Mortgage · Stand-Alone First Mortgage MEHER HOLDINGS LLC
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
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	Nov 16, 2021 · Amount on Record
Deed Book / Page	502 / 157
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 2, 2026
Property Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	0502000157
Book / Page	502 / 157
Instrument Date	Aug 24, 2026
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$82,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

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

Mortgage

Document Number	0502000160,
Date	Sep 2, 2026
Book Page	502/160

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0502000173,
Date	Sep 2, 2026
Book Page	502/173

Lender

Name	BAY BANK TRUST COMPANY

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3656 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

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Nov 16, 2021
Property Address	3656 HOWARD GAP RD, SALUDA, NC 28773-9857
Document Number	0000465/40
Book / Page	465 / 40
Instrument Date	Nov 9, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
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

Mortgage

Document Number	0000046543
Date	Nov 16, 2021
Instrument	465/43

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 11, 2018
Property Address	3656 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 30, 2025

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
2025	$1,304.00 (+12.71%)	$223,886 (+34.28%) Land $55,560 Building $168,326	$223,886 (+34.28%) Land $55,560 Building $168,326
2023	$1,157.00	$166,726 Land $34,240 Building $132,486
2021			$166,726 Land $34,240 Building $132,486

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

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

Nearby Properties on Howard Gap Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures