Polk County property record for 39 Smith St, Saluda, NC 28773 · Last verified January 2026
| Property Type | Bed & Breakfast |
|---|---|
| Details | 1,720 sqft · built 1925 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | Individual Name on File |
| Last Sale | $875,000 (Nov 2023) |
| Tax Bill | $8,264 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Nov 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S12-K3 |
| Primary APN | S12-K3 |
|---|---|
| Alternative APN |
|
| Total Rooms | 5 Rooms |
|---|---|
| Building Area | 1,720 sqft Finished Area |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Brick Veneer |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Cooling System | None |
|---|
| Account Number | 53553 |
|---|---|
| Street Address | 39 SMITH ST |
| City | SALUDA |
| State | NC |
| Zip | 28773-8678 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Bed & Breakfast |
| Legal Description | S12B, PLAT: C-188, 0S61 SALUDA RES AREA 61 |
| Legal Subdivision | SALUDA RES AREA 61 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 920303 |
Source: Polk County records · APN S12-K3
Assessment roll updated January 1, 2025 · Last verified January 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 836 LINDA LN, CHARLOTTE, NC 28211-2035 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage HOWARD HANNA MORTGAGE SERVICES INC |
| Apr 09, 2021 | Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 20, 2023 · Amount on Record |
| Deed Sale | Nov 20, 2023 · Amount on Record |
| Prior Sale | Apr 09, 2021 · Amount on Record |
| Deed Document Number | 0004812202 |
| Deed Book / Page | 481 / 2202 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 39 SMITH ST, SALUDA, NC 28773-8678 |
| Transaction Type | Mortgage |
| Record Updated | Jan 15, 2026 |
| Title Company | UNKNOWN, TOWNSGATE CLOSING SERVICES |
| Name | Verified Name |
|---|---|
| Address | 836 LINDA LN, CHARLOTTE, NC 28211-2035 |
| Document Number | 00494/1526 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 494/1526 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Nov 20, 2023 |
| Property Address | 39 SMITH ST, SALUDA, NC 28773-8678 |
| Document Number | 00481/2202 |
| Book / Page | 481 / 2202 |
| Map Reference | FILE F PG 584 |
| Instrument Date | Nov 16, 2023 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14 BLECKLEY AVE, GREENVILLE, SC 29607-2926 |
| Name | Verified Name |
|---|---|
| Address | 836 LINDA LN, CHARLOTTE, NC 28211-2035 |
| Document Number | 0004812205 |
|---|---|
| Date | Nov 20, 2023 |
| Instrument | 481/2205 |
| Name | HOWARD HANNA MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Apr 09, 2021 |
| Property Address | 39 SMITH ST, SALUDA, NC 28773-8678 |
| Document Number | 000458/654 |
| Book / Page | 458 / 654 |
| Map Reference | FILE F PG 584 |
| Instrument Date | Apr 06, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 15, 2026 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,158.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 545 BROADWAY ST, HENDERSONVILLE, NC 28739-4052 |
| Name | Verified Name |
|---|---|
| Address | 91 GREENVILLE ST, SALUDA, NC 28773-8732 |
| Document Number | 0000458657 |
|---|---|
| Date | Apr 09, 2021 |
| Instrument | 458/657 |
| Name | PRIMELENDING |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified January 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Municipality | Saluda City |
| Unified School District | Polk County Schools (PK - 12) |
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 | $8,264.00 (+136.59%) | $828,361 (+197.43%) Land $46,000 Building $782,361 | $828,361 (+197.43%) Land $46,000 Building $782,361 |
| 2023 | $3,493.00 | $278,506 Land $46,000 Building $232,506 | |
| 2021 | $278,506 Land $46,000 Building $232,506 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 1 individual NFIP policies nearby |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 20% of the US · above 24% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 3,333 per year |
| 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.
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