Polk County property record for 5684 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,392 sqft · built 1972 |
| Lot Size | 3.84 acres (167,270 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,273 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | P14-11 |
| Primary APN | P14-11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,392 sqft Finished Area |
| Basement Area | 1,392 sqft |
| Finished Basement | 350 sqft |
| Unfinished Basement | 1,042 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1972 |
| Exterior Material | Brick Veneer |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 167,270 sqft (3.84 acres) |
| Garage Type | Carport |
| Carport | Carport |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 19162 |
|---|---|
| Street Address | 5684 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-9866 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | P14, P14 MAP P14 |
| Legal Subdivision | MAP P14 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 920303 |
5684 Howard Gap Rd is owned by an individual who acquired it in December 1997.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 938, SALUDA, NC 28773-0938 |
| Owner Type | Individual |
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 | Name on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 236 / 1385 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 5684 Howard Gap Rd was $1,273, up 1.4% 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 | $1,273.00 (+1.35%) | $215,710 (-) Land $54,880 Building $160,830 | $215,710 (-) Land $54,880 Building $160,830 |
| 2025 | $1,256.00 | $215,710 Land $54,880 Building $160,830 | $215,710 Land $54,880 Building $160,830 |
| 2023 | $1,188.00 | $171,179 Land $39,200 Building $131,979 | |
| 2021 | $171,179 Land $39,200 Building $131,979 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5684 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 5684 Howard Gap 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 67% of the US · above 43% 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 13 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 |
4G LTE (outdoors only), no 5G reported
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