Polk County property record for 4000 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,640 sqft · built 1969 |
| Lot Size | 8.06 acres (351,094 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Nov 2021) |
| Tax Bill | $2,377 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P34-1 |
| Primary APN | P34-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,640 sqft Finished Area |
| Basement Area | 1,640 sqft |
| Unfinished Basement | 1,640 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Vinyl |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 351,094 sqft (8.06 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 11129 |
|---|---|
| Street Address | 4000 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-9859 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | P34, P34 MAP P34 |
| Legal Subdivision | MAP P34 |
| Legal Tract | A |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1038 |
| Census Tract | 920303 |
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 | 4026 HOWARD GAP RD, SALUDA, NC 28773-9859 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2021 · Amount on Record |
| Deed Sale | Nov 17, 2021 · Amount on Record |
| Prior Sale | Dec 31, 1997 |
| Deed Book / Page | 465 / 249 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Nov 17, 2021 |
| Property Address | 4000 HOWARD GAP RD, SALUDA, NC 28773-9859 |
| Document Number | 000465/249 |
| Book / Page | 465 / 249 |
| Map Reference | FILE G PG 80 |
| Instrument Date | Oct 26, 2021 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $750.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3905 HOWARD GAP RD, 3905, SALUDA, NC 28773-8811 |
| Name | Verified Name |
|---|---|
| Address | 4026 HOWARD GAP RD, SALUDA, NC 28773-9859 |
| Document Number | 0000465252 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 465/252 |
| Name | LENDER SELECT MORTGAGE GROUP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Polk County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,377.00 (+1.28%) | $402,812 (-) Land $101,480 Building $301,332 | $402,812 (-) Land $101,480 Building $301,332 |
| 2025 | $2,347.00 (+52.7%) | $402,812 (+81.86%) Land $101,480 Building $301,332 | $402,812 (+81.86%) Land $101,480 Building $301,332 |
| 2023 | $1,537.00 | $221,499 Land $74,420 Building $147,079 | |
| 2021 | $221,499 Land $74,420 Building $147,079 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
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