Polk County property record for 1668 Howard Gap Rd, Tryon, NC 28782
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,470 sqft · built 1979 |
| Lot Size | 2.06 acres (89,734 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,889 (2025) |
| Deeds & Mortgages | Feb 2026 Mortgage Sep 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | P34-57 |
| Primary APN | P34-57 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,470 sqft Finished Area |
| Basement Area | 1,470 sqft |
| Unfinished Basement | 1,470 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Brick Veneer |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 89,734 sqft (2.06 acres) |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 33437 |
|---|---|
| Street Address | 1668 HOWARD GAP RD |
| City | TRYON |
| State | NC |
| Zip | 28782-8677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RE1 |
| Legal Description | P34, P34 MAP P34 |
| Legal Subdivision | MAP P34 |
| Jurisdiction | POLK NC |
| Township / Civil Division | TRYON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 920301 |
Source: Polk County records · APN P34-57
Assessment roll updated September 30, 2025 · Last verified August 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 | 1168 HOWARD GAP RD, TRYON, NC 28782-8674 |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Feb 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Sep 16, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage LOWER LLC |
| Sep 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage HOMETRUST BANK |
| Apr 06, 2021 | Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK |
| Dec 28, 2020 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 31, 1997 |
| Deed Sale | Dec 31, 1997 |
| Deed Book / Page | 172 / 148 |
| Last Transfer Date | Sep 14, 2022 |
| Transfer Doc | 000473/164 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 00497/1118 |
|---|---|
| Date | Feb 11, 2026 |
| Book Page | 497/1118 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Sep 16, 2022 |
| Property Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 000473/164 |
| Book / Page | 473 / 164 |
| Instrument Date | Sep 14, 2022 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1668 HOWARD GAP RD, 1668, TRYON, NC 28782-8677 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 0000473167 |
|---|---|
| Date | Sep 16, 2022 |
| Instrument | 473/167 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Transaction Type | Mortgage |
| Record Updated | Sep 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 463/132 |
|---|---|
| Date | Sep 13, 2021 |
| Book Page | 463/132 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Property Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 458/274 |
|---|---|
| Date | Apr 06, 2021 |
| Book Page | 458/274 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Address | ASHEVILLE, NC 28802 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | May 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.12% |
| Type Change Date | May 01, 2029 |
| Change Frequency | Monthly |
| Min Rate At Change | 3% |
| Max Rate At Change | 9.12% |
| Index | 1-Year LIBOR |
| Margin | 3 |
| Max Rate | 9.12% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Dec 28, 2020 |
| Property Address | 1668 HOWARD GAP RD, TRYON, NC 28782-8677 |
| Document Number | 000455/482 |
| Book / Page | 455 / 482 |
| Instrument Date | Dec 21, 2020 |
| Transaction Type | Transfer |
| Record Updated | Mar 07, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1616 HOWARD GAP RD, TRYON, NC 28782-8677 |
Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified August 2026
| 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 | $1,889.00 (+25.1%) | $333,370 (+52.61%) Land $53,480 Building $279,890 | $333,370 (+52.61%) Land $53,480 Building $279,890 |
| 2023 | $1,510.00 | $218,447 Land $32,420 Building $186,027 | |
| 2021 | $218,447 Land $32,420 Building $186,027 |
Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · 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 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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