77 Towhee Ln, Saluda, NC 28773 Property Records

Polk County property record for 77 Towhee Ln, Saluda, NC 28773

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,616 sqft · built 2005
Lot Size	0.685 acres (29,839 sqft)
Owner	2 Individual Names on File
Last Sale	$580,000 (Jul 2020)
Tax Bill	$8,461 (2026)
Deeds & Mortgages	May 2019 Refinance Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S6-G3`

Property Details

APN / Parcel Number

Primary APN	`S6-G3`
Alternative APN	`42072`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	2,616 sqft Finished Area
Attic	Attic
Attic Area	500 sqft
Basement Area	1,750 sqft
Finished Basement	1,750 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Fiber Cement Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	29,839 sqft (0.685 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	42072
Street Address	77 TOWHEE LN
City	SALUDA
State	NC
Zip	28773-0650
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	0.68 ACRES, 0S56 SALUDA RES AREA 56
Legal Subdivision	SALUDA RES AREA 56
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2049
Census Tract	920303

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	77 TOWHEE LN, SALUDA, NC 28773-0650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jul 24, 2020	Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2020 · Amount on File
Deed Sale	Jul 24, 2020 · Amount on File
Prior Sale	Mar 1, 2013 · Amount on File
Deed Book / Page	450 / 1359
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	77 TOWHEE LN, SALUDA, NC 28773-0650
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00440/1241
Date	May 15, 2019
Book Page	440/1241

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 24, 2020
Property Address	77 TOWHEE LN, SALUDA, NC 28773-0650
Document Number	00450/1359
Book / Page	450 / 1359
Map Reference	FILE E PG 98S
Instrument Date	Jul 23, 2020
Transaction Type	Transfer
Record Updated	Jan 15, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,160.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 66, SALUDA, NC 28773-0066

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	146 TOWHEE RD, SALUDA, NC 28773-8906

Mortgage

Document Number	0004501361
Date	Jul 24, 2020
Instrument	450/1361

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Municipality	Saluda City
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,461.00 (+7.1%)	$792,528 (+0.08%) Land $85,625 Building $706,903	$792,528 (+0.08%) Land $85,625 Building $706,903
2025	$7,900.00 (+10.81%)	$791,903 (+39.33%) Land $85,000 Building $706,903	$791,903 (+39.33%) Land $85,000 Building $706,903
2023	$7,129.00	$568,365 Land $68,000 Building $500,365
2021			$568,365 Land $68,000 Building $500,365

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearby Flood Policies	1 in force

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

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	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF SALUDA serves 1,814 people · EPA ID NC0175020
Water Source	Purchased surface water from CITY OF HENDERSONVILLE
Last State Inspection	Jun 2025
Lead	11 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 66 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

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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