5225 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 5225 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Lot Size	1.08 acres (47,263 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jul 2025)
Tax Bill	$1,638 (2026)
Deeds & Mortgages	Jul 2025 Sale & Second Mortgage Apr 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`P23-65`

Property Details

APN / Parcel Number

Primary APN	`P23-65`
Alternative APN	`26457`

Exterior

Lot Area	47,263 sqft (1.08 acres)

Location & Zoning

Account Number	26457
Street Address	5225 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-0589
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MX
Legal Description	3.20 ACRES, P23 MAP P23
Legal Subdivision	MAP P23
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1003
Census Tract	920303

Owner

5225 Howard Gap Rd is owned and occupied by an individual who bought it in July 2025.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	5225 HOWARD GAP RD, SALUDA, NC 28773-0589
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2025	Warranty Deed, Subdivision Related Transfer · Stand-Alone Second Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 9, 2024	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 3, 2025 · Amount on File
Deed Sale	Jul 3, 2025 · Amount on File
Prior Sale	Apr 9, 2024 · Amount on File
Deed Book / Page	493 / 324
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 3, 2025
Property Address	5225 HOWARD GAP RD, SALUDA, NC 28773-0589
Document Number	000493/324
Book / Page	493 / 324
Map Reference	FILE G PG 650
Instrument Date	Jul 1, 2025
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	28 BLOOMINGDALE DR, ALEXANDER, NC 28701-9134

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5225 HOWARD GAP RD, SALUDA, NC 28773-0589

Mortgage

Document Number	0000493341
Date	Jul 3, 2025
Instrument	493/341

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2035

Mortgage

Document Number	000493/328
Date	Jul 3, 2025
Book Page	493/328

Lender

Name	NEIGHBORS BANK
Type	Bank
Address	COLUMBIA, MO 65201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2055

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 9, 2024
Property Address	5225 HOWARD GAP RD, SALUDA, NC 28773-0589
Document Number	00484/1811
Book / Page	484 / 1811
Map Reference	CFILE C PG 905
Instrument Date	Mar 22, 2024
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount on Record
Tax	$130.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	540 OAK GROVE RD, FLAT ROCK, NC 28731-9777

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 BLOOMINGDALE DR, ALEXANDER, NC 28701-9134
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 5225 Howard Gap Rd was $1,638, up 1.3% from the year before.

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	$1,638.00 (+1.3%)	$277,658 (-) Land $35,595 Building $242,063	$277,658 (-) Land $35,595 Building $242,063
2025	$1,617.00	$277,658 Land $35,595 Building $242,063	$277,658 Land $35,595 Building $242,063
2023	$97.00	$14,080 Land $14,080
2021			$14,080 Land $14,080

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5225 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	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

Wildfire risk around 5225 Howard Gap Rd is moderate, ranking above 40% of the US, with a 0.05% annual chance of wildfire.

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	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 19 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

Cell Coverage

5G (outdoors only) and 4G LTE

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