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190 Lockhart Rd, Tryon, NC 28782 Property Records

Polk County property record for 190 Lockhart Rd, Tryon, NC 28782

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,782 sqft · built 1905
Lot Size0.91 acres (39,640 sqft)
OwnerIndividual Name on Record
Last Sale$330,000 (May 2024)
Tax Bill$1,630 (2026)
Deeds & MortgagesAug 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNT14-D2

Property Details

APN / Parcel Number

Primary APNT14-D2
Alternative APN
  • 55293

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Building Area1,782 sqft Finished Area
Basement Area660 sqft
Finished Basement660 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1905
Effective Year BuiltEffective 1965
Exterior MaterialOther
Foundation TypeRetaining Wall
Roof MaterialShingle
Lot Area39,640 sqft (0.91 acres)
PorchPorch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number55293
Street Address190 LOCKHART RD
CityTRYON
StateNC
Zip28782-2935
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeM
Legal DescriptionT14, 0T65 TRYON AREA 65
Legal SubdivisionTRYON AREA 65
JurisdictionPOLK NC
Township / Civil DivisionTRYON
Census Block Group2
Census Block2040
Census Tract920304

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 RecordIndividual Name on Record
Mailing Address190 LOCKHART RD, TRYON, NC 28782-2935
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 30, 2024 · Amount on Record
Deed SaleMay 30, 2024 · Amount on Record
Prior SaleAug 25, 2017 · Amount on Record
Deed Book / Page485 / 1669
Record UpdatedOct 29, 2026

August 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionPOLK NC
Recording DateAug 25, 2017
Property Address190 LOCKHART RD, TRYON, NC 28782-2935
Document Number00428/1224
Book / Page428 / 1224
Instrument DateAug 8, 2017
Instrument004659130003
Transaction TypeTransfer
Record UpdatedOct 21, 2022

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,200.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address190 LOCKHART RD, TRYON, NC 28782-2935

Mortgage

Document Number00428/1227
DateAug 25, 2017
Book Page428/1227
Instrument004659140009
Lender
NameTOWNEBANK MORTGAGE
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23451
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyPolk County
MunicipalityTryon Town
Unified School DistrictPolk County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,630.00$352,197 (-) Land $45,500 Building $306,697$352,197 (-) Land $45,500 Building $306,697
2025$1,630.00 (+122.68%)$352,197 (+175.24%) Land $45,500 Building $306,697$352,197 (+175.24%) Land $45,500 Building $306,697
2023$732.00$127,961 Land $27,300 Building $100,661
2021$127,961 Land $27,300 Building $100,661

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective July 8, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 11 policies
Nearby Flood Policies11 in force
Nearby Flood Claims13 (1995–2024)
Claims Outside the SFHA3 of 13
Most Recent ClaimSep 2024 · Tropical Storm Helene
Claims by Event
  • Tropical Storm Helene, Sep 2024 · 7 claims

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 RiskModerate
above 40% of the US · above 58% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF TRYON
serves 5,494 people · EPA ID NC0175010
Water SourceSurface water
Last State InspectionApr 2026
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureLead service line inventory
Oct 2024
Monitoring and Reporting3
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 100 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Windstream
DSL		100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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