Polk County property record for 5525 Holbert Cove Rd, Saluda, NC 28773
| Property Type | Other Improved |
|---|---|
| Details | 2 bd · 2 ba · 1,008 sqft · built 1994 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,372 (2026) |
| Deeds & Mortgages | Oct 2019 Refinance |
| Flood Zone | Zone X (minimal risk) |
| APN | P33-6 |
| Primary APN | P33-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 1,008 sqft Finished Area |
| Basement Area | 1,008 sqft |
| Unfinished Basement | 1,008 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Rustic |
| Exterior Material | Logs |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Area | 1,500 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 512 sqft |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 39815 |
|---|---|
| Street Address | 5525 HOLBERT COVE RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-9556 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Local Zoning Code | MX |
| Legal Description | P33A, P33A P33A |
| Legal Subdivision | P33A |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 920201 |
5525 Holbert Cove Rd is owned and occupied by two individuals who acquired it in March 2011.
Source: Polk County records, as of September 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5525 HOLBERT COVE RD, SALUDA, NC 28773-9556 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Ux (and Wife) |
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 | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 195 / 1990 |
| Last Transfer Date | Mar 29, 2011 |
| Transfer Doc | 00386/1588 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 5525 HOLBERT COVE RD, SALUDA, NC 28773-9556 |
| Transaction Type | Mortgage |
| Record Updated | Nov 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00443/2301 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 443/2301 |
| Name | UNITED COMMUNITY BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2049 |
The 2026 property tax bill for 5525 Holbert Cove Rd was $1,372, up 1.3% from the year before.
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 | $1,372.00 (+1.33%) | $232,481 (-) Land $53,000 Building $179,481 | $232,481 (-) Land $53,000 Building $179,481 |
| 2025 | $1,354.00 | $232,481 Land $53,000 Building $179,481 | $232,481 Land $53,000 Building $179,481 |
| 2023 | $1,186.00 | $170,836 Land $35,000 Building $135,836 | |
| 2021 | $170,836 Land $35,000 Building $135,836 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5525 Holbert Cove Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2024.
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 22 policies |
| Nearby Flood Policies | 22 in force |
| Nearby Flood Claims | 3 (2024) |
| 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 5525 Holbert Cove Rd is low, with a 0.04% annual chance of 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 | 0.04% 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 8 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Skyrunner Fixed Wireless | 25 / 10 |
| Verizon Fixed Wireless | 25 / 6 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: T-Mobile, Windstream.
5G (outdoors only) and 4G LTE
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