1180 Howard Gap Rd, Tryon, NC 28782 Property Records

Polk County property record for 1180 Howard Gap Rd, Tryon, NC 28782 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 900 sqft · built 1977
Lot Size	1.33 acres (57,935 sqft)
Owner	Individual Name on File
Tax Bill	$980 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`P47-160`

Property Details

APN / Parcel Number

Primary APN	`P47-160`
Alternative APN	`32795`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	900 sqft Finished Area
Basement Area	900 sqft
Unfinished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Shingle
Lot Area	57,935 sqft (1.33 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	32795
Street Address	1180 HOWARD GAP RD
City	TRYON
State	NC
Zip	28782-8674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	P47, 0000 00 X 00, P47 MAP P47
Legal Subdivision	MAP P47
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1013
Census Tract	920301

Owner

Source: Polk County records · APN P47-160

Assessment roll updated September 30, 2025 · Last verified April 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 File
Mailing Address	1180 HOWARD GAP RD, TRYON, NC 28782-8674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 28, 2003
Deed Sale	Mar 28, 2003
Prior Sale	Dec 31, 1997
Deed Book / Page	157 / 988
Last Transfer Date	Aug 18, 2025
Transfer Doc	000494/344
Record Updated	Jun 08, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	1180 HOWARD GAP RD, TRYON, NC 28782-8674
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00495/2472
Date	Nov 25, 2025
Book Page	495/2472

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 01, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$980.00 (+10.99%)	$173,069 (+35.43%) Land $48,300 Building $124,769	$173,069 (+35.43%) Land $48,300 Building $124,769
2023	$883.00	$127,795 Land $33,135 Building $94,660
2021			$127,795 Land $33,135 Building $94,660

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 49% of the US · above 70% of North Carolina
Wildfire Likelihood	About 1 in 877 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.