Polk County property record for 8401 Howard Gap Rd, Saluda, NC 28773
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1900 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $212,000 (Dec 2018) |
| Tax Bill | $2,095 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Dec 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P4-36 |
| Primary APN | P4-36 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 768 sqft Finished Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1975 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 30,492 sqft (0.7 acres) |
| Porch | Patio |
| Deck Area | Deck Area |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Account Number | 56565 |
|---|---|
| Street Address | 8401 HOWARD GAP RD |
| City | SALUDA |
| State | NC |
| Zip | 28773-0087 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R |
| Legal Description | .70 ACRE, P4C P4C |
| Legal Subdivision | SALUDA SPRINGS |
| Jurisdiction | POLK NC |
| Township / Civil Division | SALUDA |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 920303 |
Source: Polk County assessment roll, 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 | 2 Trust Names on File |
|---|---|
| Mailing Address | 1163 CAMDEN ST, NORTH CHARLESTON, SC 29405-4327 |
| Owner Type | Individual |
| Vesting | Trust |
| Date | Document |
|---|---|
| Jul 26, 2024 | Deed of Trust, Mortgage · Line of Credit HOMETAP EQUITY PARTNERS LLC |
| Dec 7, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage AMERIS BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 7, 2018 · Amount on Record |
| Deed Sale | Dec 7, 2018 · Amount on Record |
| Prior Sale | Jul 31, 2003 · Amount on Record |
| Deed Book / Page | 437 / 1413 |
| Prior Transfer Date | Jan 3, 2013 |
| Prior Transfer Doc | 00397/1588 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 8401 HOWARD GAP RD, SALUDA, NC 28773-0087 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | CLEAREDGE TITLE, CLEAREDGE TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 00486/1785 |
|---|---|
| Date | Jul 26, 2024 |
| Book Page | 486/1785 |
| Name | HOMETAP EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Address | BOSTON, MA 02116 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Dec 7, 2018 |
| Property Address | 8401 HOWARD GAP RD, SALUDA, NC 28773-0087 |
| Document Number | 00437/1413 |
| Book / Page | 437 / 1413 |
| Instrument Date | Nov 28, 2018 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 535 OLD HOWARD GAP RD, SALUDA, NC 28773 |
| Document Number | 00437/1417 |
|---|---|
| Date | Dec 7, 2018 |
| Book Page | 437/1417 |
| Name | AMERIS BANK |
|---|
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2050 |
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 | $2,095.00 (+286.53%) | $359,533 (+359.92%) Land $24,500 Building $335,033 | $359,533 (+359.92%) Land $24,500 Building $335,033 |
| 2023 | $542.00 | $78,173 Land $21,000 Building $57,173 | |
| 2021 | $78,173 Land $21,000 Building $57,173 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 40% of the US · above 58% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 23 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 |
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