Polk County property record for 4638 Howard Gap Rd, Saluda, NC 28773
| Property Type | Other Improved |
|---|---|
| Details | 2 bd · 1 ba · 660 sqft · built 1970 |
| Lot Size | 1.4 acres (60,984 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $379 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | P23-26 |
| Primary APN | P23-26 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 660 sqft Finished Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 60,984 sqft (1.4 acres) |
| Garage Type | Mixed |
| Garage Area | 620 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Account Number | 11136 |
|---|---|
| Street Address | 4638 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-8806 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | MX |
| Legal Description | P23, 0000 00 X 00, P23 MAP P23 |
| Legal Subdivision | MAP P23 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1006 |
| 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 | 207 SEAN WAY, HENDERSONVILLE, NC 28792-9324 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 181 / 2373 |
| Record Updated | Oct 29, 2026 |
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 | $379.00 (+1.07%) | $64,383 (-) Land $37,800 Building $26,583 | $64,383 (-) Land $37,800 Building $26,583 |
| 2025 | $375.00 (+13.29%) | $64,383 (+35%) Land $37,800 Building $26,583 | $64,383 (+35%) Land $37,800 Building $26,583 |
| 2023 | $331.00 | $47,692 Land $16,600 Building $31,092 | |
| 2021 | $47,692 Land $16,600 Building $31,092 |
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 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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.
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 |
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