Polk County property record for 1616 Howard Gap Rd, Tryon, NC 28782
| Property Type | Other Improved |
|---|---|
| Details | 3 bd · 3 ba · 1,530 sqft · built 1995 |
| Lot Size | 3.89 acres (169,797 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,977 (2025) |
| Deeds & Mortgages | Jun 2017 Line of Credit Jun 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | P47-293 |
| Primary APN | P47-293 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,530 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Architectural Style | Log Home |
| Exterior Material | Logs |
| Foundation Type | Retaining Wall |
| Roof Material | Shingle |
| Lot Area | 169,797 sqft (3.89 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 22277 |
|---|---|
| Street Address | 1616 HOWARD GAP RD |
| City | TRYON |
| State | NC |
| Zip | 28782-8677 |
| Property Category | Other |
| Property Type | Other > Other Improved |
| Legal Description | 3.898 ACRES, P47 MAP P47 |
| Legal Subdivision | MAP P47 |
| Jurisdiction | POLK NC |
| Township / Civil Division | TRYON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 920301 |
Source: Polk County records · APN P47-293
Assessment roll updated January 1, 2025 · Last verified October 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 05, 2017 | Deed of Trust, Mortgage · Line of Credit ENTEGRA BANK |
| Jun 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Sep 30, 2019 | Warranty Deed, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 30, 2019 |
| Deed Sale | Sep 30, 2019 |
| Deed Document Number | 0004431204 |
| Deed Book / Page | 443 / 1204 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00426/2354 |
|---|---|
| Date | Jun 05, 2017 |
| Book Page | 426/2354 |
| Instrument | 004649390007 |
| Name | ENTEGRA BANK |
|---|---|
| Type | Bank |
| Address | FRANKLIN, NC 28734 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 09, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Transaction Type | Mortgage |
| Record Updated | Nov 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 00470/1532 |
|---|---|
| Date | Jun 10, 2022 |
| Book Page | 470/1532 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jul 01, 2037 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 30, 2019 |
| Property Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 00443/1204 |
| Book / Page | 443 / 1204 |
| Instrument Date | Sep 29, 2019 |
| Transaction Type | Transfer |
| Record Updated | Nov 08, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1624 HOWARD GAP RD, TRYON, NC 28782-8677 |
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 | $1,977.00 (+30.93%) | $349,035 (+59.78%) Land $73,980 Building $275,055 | $349,035 (+59.78%) Land $73,980 Building $275,055 |
| 2023 | $1,510.00 | $218,451 Land $57,531 Building $160,920 | |
| 2021 | $218,451 Land $57,531 Building $160,920 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), as of July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499203011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 5 (2020–2024) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Sep 2024 · Tropical Storm Helene |
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.09% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
May also be available: Verizon.
Based on FCC filings for 12 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system NC0175010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF TRYON serves 5,494 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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