140 Pacolet St, Tryon, NC 28782 Property Records

Polk County property record for 140 Pacolet St, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,470 sqft · built 1930
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Apr 2023)
Tax Bill	$1,760 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T11-C12`

Property Details

APN / Parcel Number

Primary APN	`T11-C12`
Alternative APN	`53557`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,470 sqft Finished Area
Basement Area	1,470 sqft
Finished Basement	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1975
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	53557
Street Address	140 PACOLET ST
City	TRYON
State	NC
Zip	28782-3342
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	T11A, 0T81 TRYON AREA 81
Legal Subdivision	TRYON AREA 81
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1002
Census Tract	920304

Owner

Source: Polk County records, as of October 9, 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	140 PACOLET ST, TRYON, NC 28782-3342
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO
Jul 10, 2019	Deed of Trust, Mortgage · Balloon Mortgage HOMETRUST BANK
Mar 4, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETRUST BANK
Feb 25, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 24, 2023 · Amount on Record
Deed Sale	Apr 24, 2023 · Amount on Record
Prior Sale	Feb 25, 2020 · Amount on Record
Deed Book / Page	477 / 1658
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Apr 24, 2023
Property Address	140 PACOLET ST, TRYON, NC 28782-3342
Document Number	00477/1658
Book / Page	477 / 1658
Map Reference	FILE C PG 181
Instrument Date	Apr 20, 2023
Transaction Type	Transfer
Record Updated	May 8, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 PACOLET ST, TRYON, NC 28782-3342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 PACOLET ST, TRYON, NC 28782-3342

Mortgage

Document Number	0004771661
Date	Apr 24, 2023
Instrument	477/1661

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	6.9%
Type Change Date	May 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	11.9%
Index	Other
Margin	3
Max Rate	11.9%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	140 PACOLET ST, TRYON, NC 28782-3342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	441/1803
Date	Jul 10, 2019
Book Page	441/1803

Lender

Name	HOMETRUST BANK

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	140 PACOLET ST, TRYON, NC 28782-3342
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	439/5
Date	Mar 4, 2019
Book Page	439/5

Lender

Name	HOMETRUST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 25, 2020
Property Address	140 PACOLET ST, TRYON, NC 28782-3342
Document Number	00446/2108
Book / Page	446 / 2108
Instrument Date	Feb 21, 2020
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 PACOLET ST, TRYON, NC 28782-3342

Tax Assessment & Valuation

Source: Polk County assessment roll, as of September 28, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,760.00	$380,219 (-) Land $100,000 Building $280,219	$380,219 (-) Land $100,000 Building $280,219
2025	$1,760.00 (+6%)	$380,219 (+97.89%) Land $100,000 Building $280,219	$380,219 (+97.89%) Land $100,000 Building $280,219
2023	$1,100.00	$192,134 Land $46,000 Building $146,134
2021			$192,134 Land $46,000 Building $146,134

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2018 · other causes

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	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOWN OF TRYON serves 5,494 people · EPA ID NC0175010
Water Source	Surface water
Last State Inspection	Apr 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	3 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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