7953 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 7953 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 2 ba · 1,564 sqft · built 2018
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$73,000 (Jan 2013)
Tax Bill	$1,692 (2026)
Deeds & Mortgages	Oct 2026 Mortgage May 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P4-67`

Property Details

APN / Parcel Number

Primary APN	`P4-67`
Alternative APN	`41137`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,564 sqft Finished Area

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Modular
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Patio
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	41137
Street Address	7953 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-0028
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R
Legal Description	.83 ACRE, 0S50 SALUDA RES AREA 50
Legal Subdivision	SALUDA RES AREA 50
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	2
Census Block	2005
Census Tract	920303

Owner

Source: Polk County records, as of October 19, 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	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
May 9, 2017	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE CORP
Nov 25, 2020	Deed of Trust, Mortgage · VA Mortgage INTERCONTINENTAL CAPITAL GROUP INC
May 9, 2017	Deed of Trust, Mortgage · Construction Mortgage FIRST GUARANTY MORTGAGE CORP
Oct 31, 2019	Deed of Trust, Mortgage · VA Mortgage FIRST GUARANTY MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2013 · Amount on Record
Deed Sale	Jan 2, 2013 · Amount on Record
Prior Sale	Dec 31, 1997
Deed Book / Page	397 / 1350
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Oct 8, 2026
Property Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Document Number	0502002304
Book / Page	502 / 2304
Instrument Date	Oct 6, 2026
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028

Mortgage

Document Number	0502002304,
Date	Oct 8, 2026
Book Page	502/2304

Lender

Name	NEWREZ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Nov 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00426/1124
Date	May 9, 2017
Book Page	426/1124
Instrument	004646490015

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	ARRINGTON, VA 22922

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jan 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Transaction Type	Mortgage
Record Updated	Nov 8, 2022
Title Company	NATIONWIDE TTL CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00454/1045
Date	Nov 25, 2020
Book Page	454/1045

Lender

Name	INTERCONTINENTAL CAPITAL GROUP INC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00426/1139
Date	May 9, 2017
Book Page	426/1139
Instrument	004646500020

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company
Address	ARRINGTON, VA 22922

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	3 Months
Due	Aug 1, 2017

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	7953 HOWARD GAP RD, SALUDA, NC 28773-0028
Transaction Type	Mortgage
Record Updated	Nov 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000444/564
Date	Oct 31, 2019
Book Page	444/564

Lender

Name	FIRST GUARANTY MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,692.00 (+1.26%)	$286,844 (-) Land $62,250 Building $224,594	$286,844 (-) Land $62,250 Building $224,594
2025	$1,671.00 (+12.3%)	$286,844 (+33.78%) Land $62,250 Building $224,594	$286,844 (+33.78%) Land $62,250 Building $224,594
2023	$1,488.00	$214,407 Land $41,500 Building $172,907
2021			$214,407 Land $41,500 Building $172,907

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 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
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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