Polk County property record for 5227 Howard Gap Rd, Saluda, NC 28773
| Property Type | Other Improved |
|---|---|
| Lot Size | 2.13 acres (92,870 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $349,500 (May 2025) |
| Tax Bill | $1,682 (2026) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P23-179 |
| Primary APN | P23-179 |
|---|
| Lot Area | 92,870 sqft (2.13 acres) |
|---|
| Street Address | 5227 HOWARD GAP RD |
|---|---|
| City | SALUDA |
| State | NC |
| Zip | 28773-0589 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | MAP P23 |
| Legal Subdivision | MAP P23 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 920303 |
5227 Howard Gap Rd is owned and occupied by two individuals who bought it in May 2025.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5227 HOWARD GAP RD, SALUDA, NC 28773-0589 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
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 | May 9, 2025 · Amount on File |
| Deed Sale | May 9, 2025 · Amount on File |
| Deed Book / Page | 491 / 2271 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | May 9, 2025 |
| Property Address | 5227 HOWARD GAP RD, SALUDA, NC 28773-0589 |
| Document Number | 00491/2271 |
| Book / Page | 491 / 2271 |
| Map Reference | FILE G PG 650 |
| Instrument Date | May 6, 2025 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $699.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5227 HOWARD GAP ROAD, ALEXANDER, NC 28701 |
| Name | Verified Name |
|---|---|
| Address | 28 BLOOMINGDALE DRIVE, SALUDA, NC 28773 |
| Document Number | 0004912275 |
|---|---|
| Date | May 9, 2025 |
| Instrument | 491/2275 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
The 2026 property tax bill for 5227 Howard Gap Rd was $1,682.
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 | $1,682.00 | $284,987 Land $42,924 Building $242,063 | $284,987 Land $42,924 Building $242,063 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5227 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 5227 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.
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 |
5G (outdoors only) and 4G LTE
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