489 Thompson Rd, Saluda, NC 28773 Property Records

Polk County property record for 489 Thompson Rd, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,664 sqft · built 1975
Lot Size	21.5 acres (939,589 sqft)
Owner	2 Individual Names on Record
Last Sale	$570,000 (Jul 2022)
Tax Bill	$4,011 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`P14-21`

Property Details

APN / Parcel Number

Primary APN	`P14-21`
Alternative APN	`11478`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,664 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick Veneer
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	939,589 sqft (21.5 acres)
Garage Area	804 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Account Number	11478
Street Address	225 THOMPSON RD
City	SALUDA
State	NC
Zip	28773-9848
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	P14, 0S50 SALUDA RES AREA 50
Legal Subdivision	SALUDA RES AREA 50
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1005
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	489 THOMPSON RD, SALUDA, NC 28773-9677
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Apr 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2022 · Amount on Record
Deed Sale	Jul 5, 2022 · Amount on Record
Prior Sale	Dec 31, 1997
Deed Book / Page	471 / 482
Prior Transfer Date	Apr 5, 2018
Prior Transfer Doc	00432/2129
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 5, 2022
Property Address	489 THOMPSON RD, SALUDA, NC 28773-9677
Document Number	000471/482
Book / Page	471 / 482
Instrument Date	Jun 27, 2022
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,140.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 GOLDMINE RDG, 176, PISGAH FOREST, NC 28768-9870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	489 THOMPSON RD, SALUDA, NC 28773-9677

Mortgage

Document Number	0000471493
Date	Jul 5, 2022
Instrument	471/493

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	POLK NC
Recording Date	Apr 13, 2018
Property Address	489 THOMPSON RD, SALUDA, NC 28773-9677
Document Number	00432/2129
Book / Page	432 / 2129
Instrument Date	Apr 5, 2018
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1163, SALUDA, NC 28773-1163

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,011.00 (+1.29%)	$679,718 (-) Land $460,370 Building $219,348	$679,718 (-) Land $460,370 Building $219,348
2025	$3,960.00 (+26.72%)	$679,718 (+51.01%) Land $460,370 Building $219,348	$679,718 (+51.01%) Land $460,370 Building $219,348
2023	$3,125.00	$450,103 Land $296,840 Building $153,263
2021			$450,103 Land $296,840 Building $153,263

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
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	Tropical Storm Helene, Sep 2024 · 8 claims

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 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 33 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

4G LTE (outdoors only), no 5G reported

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