Polk County property record for 7051 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,490 sqft · built 1969 |
| Lot Size | 7.57 acres (329,749 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Sep 2012) |
| Tax Bill | $2,178 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | P13-4 |
| Primary APN | P13-4 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,490 sqft Finished Area |
| Basement Area | 1,336 sqft |
| Unfinished Basement | 1,336 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 329,749 sqft (7.57 acres) |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Deck Area | Deck Area |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 40956 |
|---|---|
| Street Address | 7051 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-8803 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | MX |
| Legal Description | 9.66 ACRES, 0S50 SALUDA RES AREA 50 |
| Legal Subdivision | SALUDA RES AREA 50 |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 920303 |
Source: Polk County records, as of September 30, 2025
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 | PO BOX 730, SALUDA, NC 28773-0730 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 21, 2012 · Amount on Record |
| Deed Sale | Sep 21, 2012 · Amount on Record |
| Prior Sale | Sep 7, 2005 · Amount on Record |
| Deed Book / Page | 395 / 1547 |
| Prior Transfer Date | Dec 17, 2009 |
| Prior Transfer Doc | 00377/1576 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 7051 HOWARD GAP RD, SALUDA, NC 28773-8803 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2022 |
| Title Company | STEWART TITLE, STEWART TTL GUARANTY NON CA |
| Name | Verified Name |
|---|---|
| Address | 7051 HOWARD GAP RD, SALUDA, NC 28773-8803 |
| Document Number | 000466/832 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 466/832 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Polk County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,178.00 (+4.21%) | $373,947 (+24.23%) Land $193,260 Building $180,687 | $373,947 (+24.23%) Land $193,260 Building $180,687 |
| 2023 | $2,090.00 | $301,022 Land $166,910 Building $134,112 | |
| 2021 | $301,022 Land $166,910 Building $134,112 |
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 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 33 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 |
4G LTE (outdoors only), no 5G reported
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