3920 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 3920 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 930 sqft · built 1984
Lot Size	4.18 acres (182,081 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Aug 2001)
Tax Bill	$2,341 (2026)
Flood Zone	Zone X (minimal risk)
APN	`P34-86`

Property Details

APN / Parcel Number

Primary APN	`P34-86`
Alternative APN	`33908`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	930 sqft Finished Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	182,081 sqft (4.18 acres)
Garage Area	2,400 sqft
Parking Spaces	10 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	33908
Street Address	3920 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-8811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	4.18 ACRES, 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	2 Individual Names on Record
Mailing Address	3920 HOWARD GAP RD, SALUDA, NC 28773-8811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2001 · Amount on Record
Deed Sale	Aug 15, 2001 · Amount on Record
Prior Sale	Aug 3, 2000
Deed Book / Page	275 / 185
Last Transfer Date	Nov 14, 2005
Transfer Doc	0336000812
Record Updated	Oct 29, 2026

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	$2,341.00 (+1.3%)	$396,751 (-) Land $70,440 Building $326,311	$396,751 (-) Land $70,440 Building $326,311
2025	$2,311.00 (+31.23%)	$396,751 (+56.35%) Land $70,440 Building $326,311	$396,751 (+56.35%) Land $70,440 Building $326,311
2023	$1,761.00	$253,762 Land $47,260 Building $206,502
2021			$253,762 Land $47,260 Building $206,502

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	Low lower than 63% of the US · above 51% 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 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverStreet Networks Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20