8431 Howard Gap Rd, Saluda, NC 28773 Property Records

Polk County property record for 8431 Howard Gap Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	3 bd · 2.5 ba · 1,536 sqft · built 1998
Lot Size	0.7 acres (30,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Jul 2020)
Tax Bill	$2,568 (2026)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`P4-16`

Property Details

APN / Parcel Number

Primary APN	`P4-16`
Alternative APN	`39652`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,536 sqft Finished Area
Basement Area	1,344 sqft
Unfinished Basement	1,344 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Rustic
Exterior Material	Logs
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	30,492 sqft (0.7 acres)
Deck Area	Deck Area
Boat Access	Boat Access

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	39652
Street Address	8431 HOWARD GAP RD
City	SALUDA
State	NC
Zip	28773-0087
Property Category	Other
Property Type	Other > Other Improved
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

Owner

Source: Polk County records, as of September 28, 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	118 DEER RUN LN, GREENWOOD, SC 29646-1814
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 16, 2020 · Amount on Record
Deed Sale	Jul 16, 2020 · Amount on Record
Prior Sale	Oct 24, 1997
Deed Book / Page	450 / 828
Prior Transfer Date	Dec 22, 2010
Prior Transfer Doc	00384/1835
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jul 16, 2020
Property Address	8431 HOWARD GAP RD, SALUDA, NC 28773-0087
Document Number	000450/828
Book / Page	450 / 828
Map Reference	CAB A PG 272
Instrument Date	Jun 29, 2020
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$930.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 BRAEBURN WAY, 46, FLAT ROCK, NC 28731-5680

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	507 PALLADIO DR, GREENVILLE, SC 29617-7936

Mortgage

Document Number	0004500832
Date	Jul 16, 2020
Instrument	450/0832

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
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
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,568.00 (+1.3%)	$435,166 (-) Land $36,750 Building $398,416	$435,166 (-) Land $36,750 Building $398,416
2025	$2,535.00 (+64.93%)	$435,166 (+96.54%) Land $36,750 Building $398,416	$435,166 (+96.54%) Land $36,750 Building $398,416
2023	$1,537.00	$221,411 Land $21,000 Building $200,411
2021			$221,411 Land $21,000 Building $200,411

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

Internet Providers

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