Polk County property record for 4219 Howard Gap Rd, Saluda, NC 28773
| Property Type | Other Improved |
|---|---|
| Lot Size | 3.2 acres (139,392 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $1,878 (2026) |
| Deeds & Mortgages | Feb 2023 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | P23-171 |
| Primary APN | P23-171 |
|---|
| Lot Area | 139,392 sqft (3.2 acres) |
|---|
| Street Address | 4219 HOWARD GAP RD |
|---|---|
| City | SALUDA |
| State | NC |
| Zip | 28773-9861 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | MAP P23 |
| Legal Subdivision | MAP P23 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1003 |
| 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 | 4219 HOWARD GAP RD, SALUDA, NC 28773-9861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 4219 HOWARD GAP RD, SALUDA, NC 28773-9861 |
| Transaction Type | Mortgage |
| Record Updated | Dec 1, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4215 HOWARD GAP RD, SALUDA, NC 28773-9861 |
| Document Number | 000476/820 |
|---|---|
| Date | Feb 28, 2023 |
| Book Page | 476/820 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BLAIRSVILLE, GA 30514 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.37% |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 12.3% |
| Index | Other |
| Max Rate | 12.3% |
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 | $1,878.00 (+1.29%) | $318,263 (-) Land $50,400 Building $267,863 | $318,263 (-) Land $50,400 Building $267,863 |
| 2025 | $1,854.00 | $318,263 Land $50,400 Building $267,863 | $318,263 Land $50,400 Building $267,863 |
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 | Moderate above 42% of the US · above 62% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.06% 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 12 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| RiverStreet Networks Fiber | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
5G and 4G LTE (outdoors only)
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