3709 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 3709 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 874 sqft · built 1988
Lot Size	3.18 acres (138,521 sqft)
Owner	2 Individual Names on File
Last Sale	$232,000 (Aug 2020)
Tax Bill	$1,603 (2026)
Deeds & Mortgages	Oct 2019 Reverse Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P34-70`

Property Details

APN / Parcel Number

Primary APN	`P34-70`
Alternative APN	`55045`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	874 sqft Finished Area
Attic	Attic
Attic Area	291 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	138,521 sqft (3.18 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55045
Street Address	3709 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-9858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT #5, 0O04 OCEAN VIEW ACRES 09
Legal Subdivision	OCEAN VIEW ACRES
Legal Lot Number	5
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1003
Census Tract	920303

Owner

3709 Howard Gap Rd is owned by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	221 NORTON ST, OAK ISLAND, NC 28465-8242
Owner Type	Individual

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
Oct 8, 2019	Deed of Trust, Mortgage · Reverse Mortgage ONE REVERSE MORTGAGE LLC
Aug 25, 2020	Warranty Deed, Transfer · Conventional Mortgage PENTAGON FCU
May 19, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2020 · Amount on File
Deed Sale	Aug 25, 2020 · Amount on File
Prior Sale	May 19, 2017 · Amount on File
Deed Book / Page	451 / 856
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	3709 HOWARD GAP RD, SALUDA, NC 28773-9858
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00443/1590
Date	Oct 8, 2019
Book Page	443/1590

Lender

Name	ONE REVERSE MORTGAGE LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 25, 2020
Property Address	3709 HOWARD GAP RD, SALUDA, NC 28773-9858
Document Number	000451/856
Book / Page	451 / 856
Map Reference	FILE B OG 946
Instrument Date	Aug 21, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$464.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	452 RISEN STAR DR, 452, BOILING SPRINGS, SC 29316-8004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 NORTON STREET, RIEGELWOOD, NC 28456

Mortgage

Document Number	000451/860
Date	Aug 25, 2020
Book Page	451/860

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Sep 1, 2035

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 19, 2017
Property Address	3709 HOWARD GAP RD, SALUDA, NC 28773-9858
Document Number	00426/1667
Book / Page	426 / 1667
Instrument Date	May 18, 2017
Instrument	004647920002
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount on Record
Tax	$2,330.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 HOWARD GAP RD, SALUDA, NC 28773-9858

Tax Assessment & Valuation

The 2026 property tax bill for 3709 Howard Gap Rd was $1,603, up 1.3% from the year before.

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	$1,603.00 (+1.26%)	$271,712 (-) Land $50,260 Building $221,452	$271,712 (-) Land $50,260 Building $221,452
2025	$1,583.00	$271,712 Land $50,260 Building $221,452	$271,712 Land $50,260 Building $221,452
2023	$1,317.00	$189,816 Land $38,760 Building $151,056
2021			$189,816 Land $38,760 Building $151,056

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

Flood

FEMA maps place 3709 Howard Gap Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.

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 File 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

Wildfire risk around 3709 Howard Gap Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of 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