1068 Mountain Lakes Dr, Tryon, NC 28782 Property Records

Polk County property record for 1068 Mountain Lakes Dr, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,330 sqft · built 1998
Lot Size	2.29 acres (99,752 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Sep 2012)
Tax Bill	$2,035 (2026)
Deeds & Mortgages	Jan 2017 Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`P25-114`

Property Details

APN / Parcel Number

Primary APN	`P25-114`
Alternative APN	`57640`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Building Area	1,330 sqft Finished Area
Basement Area	1,330 sqft
Finished Basement	1,330 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	99,752 sqft (2.29 acres)
Porch	Screened Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57640
Street Address	1068 MOUNTAIN LAKES DR
City	TRYON
State	NC
Zip	28782-3348
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOTS 448 & 449, 0M05 MELROSE MOUNTAIN 09
Legal Subdivision	MELROSE MOUNTAIN
Legal Lot Number	448-449
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	2
Census Block	2004
Census Tract	920304

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	Individual Name on Record
Mailing Address	1068 MOUNTAIN LAKES DR, TRYON, NC 28782-3348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2017	Deed of Trust, Mortgage · VA Mortgage JAMES B NUTTER & CO
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Dec 20, 2019	Warranty Deed, Transfer · FHA Mortgage FLAGSTAR BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 12, 2012 · Amount on Record
Deed Sale	Sep 12, 2012 · Amount on Record
Prior Sale	Apr 2, 2002
Deed Book / Page	395 / 1078
Record Updated	Oct 29, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1068 MOUNTAIN LAKES DR, TRYON, NC 28782-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	424/911
Date	Jan 18, 2017
Book Page	424/911
Instrument	004633750020

Lender

Name	JAMES B NUTTER & CO
Type	Mortgage Company
Address	KANSAS CITY, MO 64111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2032

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1068 MOUNTAIN LAKES DR, TRYON, NC 28782-3348
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	455/1776
Date	Jan 15, 2021
Book Page	455/1776

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 20, 2019
Property Address	1068 MOUNTAIN LAKES DR, TRYON, NC 28782-3348
Document Number	00445/1116
Book / Page	445 / 1116
Instrument Date	Dec 16, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1068 MOUNTAIN LAKES DR, TRYON, NC 28782-3348

Mortgage

Document Number	00445/1119
Date	Dec 20, 2019
Book Page	445/1119

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 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	$2,035.00 (+3.56%)	$346,883 (-) Land $25,200 Building $321,683	$346,883 (-) Land $25,200 Building $321,683
2025	$1,965.00 (+36.55%)	$346,883 (+66.65%) Land $25,200 Building $321,683	$346,883 (+66.65%) Land $25,200 Building $321,683
2023	$1,439.00	$208,155 Land $18,950 Building $189,205
2021			$208,155 Land $18,950 Building $189,205

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
Flood Insurance Cost	Premium on Record median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1995–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 7 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 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Skyrunner Fixed Wireless	25 / 10

May also be available: T-Mobile, Verizon.

Cell Coverage

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

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