398 Crescent St, Saluda, NC 28773 Property Records

Polk County property record for 398 Crescent St, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1990
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Jan 2020)
Tax Bill	$3,891 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S5-G11`

Property Details

APN / Parcel Number

Primary APN	`S5-G11`
Alternative APN	`56834`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,584 sqft Finished Area

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	29,185 sqft (0.67 acres)
Garage Area	400 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	56834
Street Address	398 CRESCENT ST
City	SALUDA
State	NC
Zip	28773
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	FROM WILLIAM A. PACE, 0M01 MEADOWVIEW S/D
Legal Subdivision	MEADOWVIEW S/D
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2045
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	398 CRESCENT ST, SALUDA, NC 28773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 29, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Sep 6, 2024	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 31, 2020	Warranty Deed, Transfer · VA Mortgage QUICKEN LOANS INC
Mar 21, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2020 · Amount on Record
Deed Sale	Jan 31, 2020 · Amount on Record
Prior Sale	Feb 17, 2016 · Amount on Record
Deed Book / Page	446 / 824
Prior Transfer Date	Mar 15, 2019
Prior Transfer Doc	000439/808
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	398 CRESCENT ST, SALUDA, NC 28773-0465
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00466/1504
Date	Jan 5, 2022
Book Page	466/1504

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	398 CRESCENT ST, SALUDA, NC 28773-0465
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 CRESCENT DR, SALUDA, NC 28773-9786

Mortgage

Document Number	00482/1662
Date	Dec 29, 2023
Book Page	482/1662

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	398 CRESCENT ST, SALUDA, NC 28773-0465
Transaction Type	Mortgage
Record Updated	Jan 15, 2026
Title Company	UNKNOWN, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 CRESCENT DR, SALUDA, NC 28773-9786

Mortgage

Document Number	00487/1552
Date	Sep 6, 2024
Book Page	487/1552

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2054

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 31, 2020
Property Address	398 CRESCENT ST, SALUDA, NC 28773-0465
Document Number	000446/824
Book / Page	446 / 824
Instrument Date	Jan 30, 2020
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 CRESCENT DR, SALUDA, NC 28773-9786

Mortgage

Document Number	0000446828
Date	Jan 31, 2020
Instrument	446/828

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 21, 2019
Property Address	398 CRESCENT ST, SALUDA, NC 28773-0465
Document Number	000439/808
Book / Page	439 / 808
Instrument Date	Mar 15, 2019
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 CRESCENT DR, SALUDA, NC 28773-9786

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Municipality	Saluda City
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,891.00 (+7.01%)	$364,514 (-) Land $73,700 Building $290,814	$364,514 (-) Land $73,700 Building $290,814
2025	$3,636.00 (+35.87%)	$364,514 (+70.83%) Land $73,700 Building $290,814	$364,514 (+70.83%) Land $73,700 Building $290,814
2023	$2,676.00	$213,378 Land $60,300 Building $153,078
2021			$213,378 Land $60,300 Building $153,078

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
Nearby Flood Policies	1 in force

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALUDA serves 1,814 people · EPA ID NC0175020
Water Source	Purchased surface water from CITY OF HENDERSONVILLE
Last State Inspection	Jun 2025
Lead	11 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 122 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
RiverStreet Networks Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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