Polk County property record for 1197 Howard Gap Rd, Tryon, NC 28782 · Last verified October 2025
| Property Type | Other Improved |
|---|---|
| Details | 1 bd · 1 ba · 564 sqft · built 2009 |
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,458 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P47-210 |
| Primary APN | P47-210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Building Area | 564 sqft Finished Area |
| Year Built | Built 2009 |
|---|---|
| Architectural Style | Cottage |
| Foundation Type | Retaining Wall |
| Roof Material | Masonite/Cement Shake |
| Lot Area | 104,544 sqft (2.4 acres) |
| Garage Type | Detached |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 7473 |
|---|---|
| Street Address | 1197 HOWARD GAP RD |
| City | TRYON |
| State | NC |
| Zip | 28782-8674 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | PLAT: CARD FILE B-974, P47 MAP P47 |
| Legal Subdivision | MAP P47 |
| Jurisdiction | POLK NC |
| Township / Civil Division | TRYON |
| Census Block Group | 1 |
| Census Block | 1042 |
| Census Tract | 920301 |
Source: Polk County records · APN P47-210
Assessment roll updated January 1, 2025 · Last verified October 2025
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| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1197 HOWARD GAP RD, TRYON, NC 28782-8674 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000217390 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1197 HOWARD GAP RD, TRYON, NC 28782-8674 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00442/1342 |
|---|---|
| Date | Aug 21, 2019 |
| Book Page | 442/1342 |
| Name | HOMETRUST BANK |
|---|
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Unified School District | Polk County Schools (PK - 12) |
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 | $3,458.00 (+9.02%) | $610,289 (+33.02%) Land $94,000 Building $516,289 | $610,289 (+33.02%) Land $94,000 Building $516,289 |
| 2023 | $3,172.00 | $458,811 Land $63,800 Building $395,011 | |
| 2021 | $458,811 Land $63,800 Building $395,011 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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