909 Pearson Falls Rd, Saluda, NC 28773 Property Records

Polk County property record for 909 Pearson Falls Rd, Saluda, NC 28773

Property Summary

Property Type	Other Improved
Details	2.5 ba · 1,600 sqft · built 1992
Lot Size	8.64 acres (376,358 sqft)
Owner	2 Individual Names on Record
Last Sale	$637,000 (Jul 2025)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P5-50`

Property Details

APN / Parcel Number

Primary APN	`P5-50`
Alternative APN	`56790`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	2 Rooms
Building Area	1,600 sqft Finished Area
Basement Area	1,600 sqft
Unfinished Basement	1,600 sqft

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Rustic
Exterior Material	Logs
Roof Type	Gable
Roof Material	Metal
Lot Area	376,358 sqft (8.64 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56790
Street Address	909 PEARSON FALLS RD
City	SALUDA
State	NC
Zip	28773-9906
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	MX
Legal Description	LOT #1, P5 MAP P5
Legal Subdivision	MAP P5
Legal Tract	1
Legal Lot Number	1
Jurisdiction	POLK NC
Township / Civil Division	SALUDA
Census Block Group	1
Census Block	1022
Census Tract	920303

Owner

Source: Polk County records, as of April 27, 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	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 27, 2023	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 30, 2021	Special Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Book / Page	493 / 186
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Recording Date	Apr 13, 2026
Property Address	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Document Number	0498002394
Book / Page	498 / 2394
Instrument Date	Apr 7, 2026
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Investor	Possibly a Property Investor

Mortgage

Document Number	0498002394,
Date	Apr 13, 2026
Book Page	498/2394

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.11%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Transaction Type	Mortgage
Record Updated	Oct 19, 2023
Title Company	FIRST SOURCE TITLE AGENCY INC, FIRST SOURCE TITLE AGCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00480/2231
Date	Sep 27, 2023
Book Page	480/2231

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	349 Months
Due	Oct 1, 2052

April 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 30, 2021
Property Address	909 PEARSON FALLS RD, SALUDA, NC 28773-9906
Document Number	00458/2339
Book / Page	458 / 2339
Map Reference	FILE D PG 988
Instrument Date	Apr 28, 2021
Transaction Type	Transfer
Record Updated	Nov 8, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$720.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 273, SALUDA, NC 28773-0273

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	909 PEARSON FALLS RD, SALUDA, NC 28773-9906

Mortgage

Document Number	0004582342
Date	Apr 30, 2021
Instrument	458/2342

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	May 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	5-Year CMT
Max Rate	9.75%

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 30, 2025

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
2025	$3,361.00 (+43.33%)	$576,841 (+70.74%) Land $117,448 Building $459,393	$576,841 (+70.74%) Land $117,448 Building $459,393
2023	$2,345.00	$337,842 Land $52,809 Building $285,033
2021			$337,842 Land $52,809 Building $285,033

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Tropical Storm Helene, Sep 2024 · 8 claims

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	0.04% 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 20 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

Cell Coverage

4G LTE (outdoors only), no 5G reported

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