Polk County property record for 4500 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,332 sqft · built 1960 |
| Lot Size | 1.61 acres (70,132 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $990 (2026) |
| Deeds & Mortgages | Sep 2021 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | P23-24 |
| Primary APN | P23-24 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,332 sqft Finished Area |
| Basement Area | 256 sqft |
| Unfinished Basement | 256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1960 |
| Exterior Material | Brick Veneer |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 70,132 sqft (1.61 acres) |
| Garage Type | Detached |
| Garage Area | 1,260 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Account Number | 11091 |
|---|---|
| Street Address | 4500 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-8805 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | P23, P23 MAP P23 |
| Legal Subdivision | MAP P23 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 920303 |
4500 Howard Gap Rd is owned and occupied by two individuals who acquired it in August 2021.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4500 HOWARD GAP RD, SALUDA, NC 28773-8805 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 133 / 157 |
| Last Transfer Date | Aug 16, 2021 |
| Transfer Doc | 0463000980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 21, 2021 |
| Property Address | 4500 HOWARD GAP RD, SALUDA, NC 28773-8805 |
| Document Number | 000463/980 |
| Book / Page | 463 / 980 |
| Map Reference | FILE G PG 46 |
| Instrument Date | Aug 16, 2021 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4500 HOWARD GAP ROAD, 4500, SPRUCE PINE, NC 28777 |
| Name | Verified Name |
|---|---|
| Address | 4454 HOWARD GAP RD, SALUDA, NC 28773-8810 |
The 2026 property tax bill for 4500 Howard Gap Rd was $990, up 1.3% from the year before.
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 | $990.00 (+1.33%) | $167,836 (-) Land $39,270 Building $128,566 | $167,836 (-) Land $39,270 Building $128,566 |
| 2025 | $977.00 | $167,836 Land $39,270 Building $128,566 | $167,836 Land $39,270 Building $128,566 |
| 2023 | $681.00 | $98,208 Land $17,440 Building $80,768 | |
| 2021 | $98,208 Land $17,440 Building $80,768 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4500 Howard Gap Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1978.
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 File 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.
Wildfire risk around 4500 Howard Gap Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.
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 10 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 |
5G (outdoors only) and 4G LTE
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