540 Crescent St, Saluda, NC 28773 Property Records

Polk County property record for 540 Crescent St, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on Record
Last Sale	$399,000 (Oct 2025)
Tax Bill	$3,178 (2026)
Deeds & Mortgages	Oct 2025 Sale Jun 2025 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S5-G26`

Property Details

APN / Parcel Number

Primary APN	`S5-G26`
Alternative APN	`52695`

Exterior

Lot Area	18,295 sqft (0.42 acres)

Location & Zoning

Account Number	52695
Street Address	540 CRESCENT ST
City	SALUDA
State	NC
Zip	28773-0618
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	M
Legal Description	LOT #15, SECTION 2, 0M01 MEADOWVIEW S/D
Legal Subdivision	MEADOWVIEW S/D
Legal Lot Number	15
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2045
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	Individual Name on Record
Mailing Address	540 CRESCENT ST, SALUDA, NC 28773-0618
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Warranty Deed, Transfer
Jun 13, 2025	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Jun 9, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2025 · Amount on Record
Deed Sale	Oct 23, 2025 · Amount on Record
Prior Sale	Jun 9, 2020 · Amount on Record
Deed Book / Page	495 / 562
Prior Transfer Date	Nov 5, 2014
Prior Transfer Doc	00409/1611
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 23, 2025
Property Address	540 CRESCENT ST, SALUDA, NC 28773-0618
Document Number	000495/562
Book / Page	495 / 562
Instrument Date	Oct 17, 2025
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Amount	Amount Recorded
Tax	$798.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	511 SANGUINE ST, SHALLOTTE, NC 28470-6002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CRESCENT ST, SALUDA, NC 28773-0618

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	540 CRESCENT ST, SALUDA, NC 28773-0618
Transaction Type	Mortgage
Record Updated	Sep 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MEADOW VIEW DR, SALUDA, NC 28773-8848

Mortgage

Document Number	00492/1520
Date	Jun 13, 2025
Book Page	492/1520

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 10, 2065

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	540 CRESCENT ST, SALUDA, NC 28773-0618
Transaction Type	Mortgage
Record Updated	Sep 30, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00466/1086
Date	Dec 29, 2021
Book Page	466/1086

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2037

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 9, 2020
Property Address	540 CRESCENT ST, SALUDA, NC 28773-0618
Document Number	000449/901
Book / Page	449 / 901
Map Reference	FILE D PG 905
Instrument Date	Jun 9, 2020
Transaction Type	Transfer
Record Updated	Sep 30, 2025

Transaction

Amount	Amount Recorded
Tax	$87.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1551 BEN SAWYER BLVD # BLVD6C, BLVD6C, MOUNT PLEASANT, SC 29464-5500

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LAUREL WOOD WAY UNIT 203, 203, SAINT AUGUSTINE, FL 32086-3107

Tax Assessment & Valuation

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

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
2026	$3,178.00 (+32.58%)	$297,679 (+23.86%) Land $46,200 Building $251,479	$297,679 (+23.86%) Land $46,200 Building $251,479
2025	$2,397.00 (+10.61%)	$240,327 (+39.1%) Land $46,200 Building $194,127	$240,327 (+39.1%) Land $46,200 Building $194,127
2023	$2,167.00 (+2.46%)	$172,767 (-) Land $37,800 Building $134,967
2022	$2,115.00	$172,767 Land $37,800 Building $134,967
2021			$172,767 Land $37,800 Building $134,967

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 122 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

5G (outdoors only) and 4G LTE

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