Polk County property record for 5848 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,406 sqft · built 1986 |
| Lot Size | 15.5 acres (675,616 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,000 (Mar 2026) |
| Tax Bill | $2,401 (2026) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P14-4 |
| Primary APN | P14-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Building Area | 2,406 sqft Finished Area |
| Basement Area | 1,504 sqft |
| Unfinished Basement | 1,504 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 675,616 sqft (15.5 acres) |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 52749 |
|---|---|
| Street Address | 5848 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-9868 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | P14, P14 MAP P14 |
| Legal Subdivision | MAP P14 |
| Legal Tract | A |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 920303 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5848 HOWARD GAP RD, SALUDA, NC 28773-9868 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2026 · Amount on Record |
| Deed Sale | Mar 31, 2026 · Amount on Record |
| Prior Sale | Feb 6, 2003 |
| Deed Book / Page | 498 / 1519 |
| Prior Transfer Date | Nov 26, 2014 |
| Prior Transfer Doc | 00410/0164 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Mar 31, 2026 |
| Property Address | 5848 HOWARD GAP RD, SALUDA, NC 28773-9868 |
| Document Number | 00498/1519 |
| Book / Page | 498 / 1519 |
| Map Reference | FILE H PG 2532 |
| Instrument Date | Mar 31, 2026 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 MOUNTAIN RD, EAST HARTLAND, CT 06027-1515 |
| Name | Verified Name |
|---|---|
| Address | 5848 HOWARD GAP RD, SALUDA, NC 28773-9868 |
| Document Number | 0004981525 |
|---|---|
| Date | Mar 31, 2026 |
| Instrument | 498/1525 |
| Name | PENTAGON FCU |
|---|---|
| Type | Credit Union |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2056 |
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 | $2,401.00 (+1.31%) | $406,880 (-) Land $114,751 Building $292,129 | $406,880 (-) Land $114,751 Building $292,129 |
| 2025 | $2,370.00 (+11.06%) | $406,880 (+32.33%) Land $114,751 Building $292,129 | $406,880 (+32.33%) Land $114,751 Building $292,129 |
| 2023 | $2,134.00 | $307,475 Land $88,295 Building $219,180 | |
| 2021 | $307,475 Land $88,295 Building $219,180 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
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 |
5G (outdoors only) and 4G LTE
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