54 Smith St, Saluda, NC 28773 Property Records

Polk County property record for 54 Smith St, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 3 ba · 1,126 sqft · built 2017
Lot Size	0.31 acres (13,504 sqft)
Owner	Company Name on Record
Last Sale	$436,500 (Jun 2018)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Jul 2018 Mortgage Jun 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`S12-H18`

Property Details

APN / Parcel Number

Primary APN	`S12-H18`
Alternative APN	`56104`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,126 sqft Finished Area
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Exterior Material	Fiber Cement Siding
Foundation Type	Block
Roof Material	Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56104
Street Address	54 SMITH ST
City	SALUDA
State	NC
Zip	28773-8678
Property Category	Other
Property Type	Other > Other Improved
Legal Description	LOTS 43, 44, 45, AND 46, 0S61 SALUDA RES AREA 61
Legal Subdivision	SALUDA RES AREA 61
Legal Lot Number	43-45
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2036
Census Tract	920303

Owner

Source: Polk County records, as of September 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	54 SMITH ST, SALUDA, NC 28773-8678
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2018	Deed of Trust, Mortgage FIRST CITIZEN B&T CO
Jun 8, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2018 · Amount on Record
Deed Sale	Jun 8, 2018 · Amount on Record
Prior Sale	Feb 19, 2008 · Amount on Record
Deed Document Number	0004332152
Deed Book / Page	433 / 2152
Record Updated	Jun 8, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	54 SMITH ST, SALUDA, NC 28773-8678
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000434/0000001793
Date	Jul 19, 2018
Book Page	0000000434/0000001793

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Amount	Amount Recorded

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 8, 2018
Property Address	54 SMITH ST, SALUDA, NC 28773-8678
Document Number	00433/2152
Book / Page	433 / 2152
Instrument Date	Jun 4, 2018
Instrument	004704270003
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	88 SMITH ST, SALUDA, NC 28773-8678

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,442.00 (+7.55%)	$445,226 (+35.19%) Land $31,000 Building $414,226	$445,226 (+35.19%) Land $31,000 Building $414,226
2023	$4,130.00	$329,335 Land $31,000 Building $298,335
2021			$329,335 Land $31,000 Building $298,335

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
Nearby Flood Policies	1 in force

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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALUDA serves 1,814 people · EPA ID NC0175020
Water Source	Purchased surface water from CITY OF HENDERSONVILLE
Last State Inspection	Jun 2025
Lead	11 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 153 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Pangaea Internet, RiverStreet Networks, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Smith St

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