Polk County property record for 6045 Holbert Cove Rd, Saluda, NC 28773
| Property Type | Other Improved |
|---|---|
| Lot Size | 2.11 acres (91,912 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $742 (2026) |
| Deeds & Mortgages | Aug 2025 Mortgage Apr 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | P32-143 |
| Primary APN | P32-143 |
|---|
| Lot Area | 91,912 sqft (2.11 acres) |
|---|
| Street Address | 6045 HOLBERT COVE RD |
|---|---|
| City | SALUDA |
| State | NC |
| Zip | 28773-0680 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | P32A |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 920201 |
6045 Holbert Cove Rd is owned by an individual.
Source: Polk County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2080 W 9TH AVE, OSHKOSH, WI 54904-8072 |
| 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.
| Date | Document |
|---|---|
| Aug 26, 2025 | Deed of Trust, Mortgage · Commercial Mortgage FARMERS & MERCHANTS BANK |
| Apr 3, 2024 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 6045 HOLBERT COVE RD, SALUDA, NC 28773-0680 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2080 W 9TH AVE 323, OSHKOSH, WI 54904-8072 |
| Document Number | 000494/229 |
|---|---|
| Date | Aug 26, 2025 |
| Book Page | 494/229 |
| Name | FARMERS & MERCHANTS BANK |
|---|---|
| Type | Bank |
| Address | BERLIN, WI 54923 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Aug 22, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Apr 3, 2024 |
| Property Address | 6045 HOLBERT COVE RD, SALUDA, NC 28773-0680 |
| Document Number | 00484/1400 |
| Book / Page | 484 / 1400 |
| Instrument Date | Apr 2, 2024 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13 FOX PAW LN, SALUDA, NC 28773-9527 |
| Name | Verified Name |
|---|---|
| Address | 2080 W 9TH AVE # 323, OSHKOSH, WI 54904-8072 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 6045 Holbert Cove Rd was $742, up 118.9% 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 | $742.00 (+118.88%) | $125,876 (+115.88%) Land $32,770 Building $93,106 | $125,876 (+115.88%) Land $32,770 Building $93,106 |
| 2025 | $339.00 | $58,308 Land $32,770 Building $25,538 | $58,308 Land $32,770 Building $25,538 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6045 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 6045 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 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 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.
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