Polk County property record for 50 Smith St, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,350 sqft · built 1978 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,557 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Feb 2024 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | S12-H10 |
| Primary APN | S12-H10 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,350 sqft Finished Area |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2000 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Metal |
| Lot Area | 10,454 sqft (0.239 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 10641 |
|---|---|
| Street Address | 50 SMITH ST |
| City | SALUDA |
| State | NC |
| Zip | 28773-8678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S12B, 0S62 SALUDA RES AREA 62 |
| Legal Subdivision | SALUDA RES AREA 62 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 920303 |
Source: Polk County assessment roll, APN S12-H10, as of January 1, 2025 · Last verified October 2025
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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | PO BOX 486, SALUDA, NC 28773-0486 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 28, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000205324 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 50 SMITH ST, SALUDA, NC 28773-8678 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 000448/420 |
|---|---|
| Date | Apr 22, 2020 |
| Book Page | 448/420 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 50 SMITH ST, SALUDA, NC 28773-8678 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 50 SMITH ST, SALUDA, NC 28773-8678 |
| Document Number | 00483/1953 |
|---|---|
| Date | Feb 28, 2024 |
| Book Page | 483/1953 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County assessment roll as of January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Municipality | Saluda City |
| Unified School District | Polk County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,557.00 (+10.36%) | $356,549 (+38.74%) Land $30,000 Building $326,549 | $356,549 (+38.74%) Land $30,000 Building $326,549 |
| 2023 | $3,223.00 | $256,987 Land $12,000 Building $244,987 | |
| 2021 | $256,987 Land $12,000 Building $244,987 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), as of July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 76% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, 153 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
May also be available: e-Polk, Verizon, Wilkes Telephone Membership.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0175020, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | CITY OF SALUDA serves 1,814 people |
|---|---|
| Water Source | Purchased surface water from CITY OF HENDERSONVILLE |
| Last State Inspection | Jun 2025 |
| Lead | 11 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures