21 Chestnut St, Tryon, NC 28782 Property Records

Polk County property record for 21 Chestnut St, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,328 sqft · built 1932
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$75,000 (Dec 2021)
Tax Bill	$1,262 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Dec 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`T11-A2`

Property Details

APN / Parcel Number

Primary APN	`T11-A2`
Alternative APN	`39654`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Building Area	1,328 sqft Finished Area
Basement Area	610 sqft
Finished Basement	305 sqft
Unfinished Basement	305 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1990
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	39654
Street Address	21 CHESTNUT ST
City	TRYON
State	NC
Zip	28782
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOTS #18, & PT 19, LINDSEY S/D, T11C T11C
Legal Subdivision	LINDSEY SUBDIVISION
Legal Lot Number	18
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1022
Census Tract	920304

Owner

Source: Polk County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21 GALAX CIR, TRYON, NC 28782-3384
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Dec 28, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 28, 2021 · Amount on Record
Deed Sale	Dec 28, 2021 · Amount on Record
Prior Sale	Jan 7, 2011 · Amount on Record
Deed Document Number	2021
Deed Book / Page	466 / 917
Prior Transfer Date	Dec 19, 2021
Prior Transfer Doc	0466000917
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	21 CHESTNUT ST, TRYON, NC 28782-3482
Transaction Type	Mortgage
Record Updated	Nov 27, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00467/1267
Date	Feb 14, 2022
Book Page	467/1267

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Mar 1, 2042

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Dec 28, 2021
Property Address	21 CHESTNUT ST, TRYON, NC 28782-3482
Document Number	000466/917
Book / Page	466 / 917
Instrument Date	Dec 27, 2021
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1716 CLOVER LEAF DR, SPARKS, NV 89434-2683

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX OX, PINE BUSH, NY 12566

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	$1,262.00	$272,782 (-) Land $70,000 Building $202,782	$272,782 (-) Land $70,000 Building $202,782
2025	$1,262.00 (+7.04%)	$272,782 (+32.44%) Land $70,000 Building $202,782	$272,782 (+32.44%) Land $70,000 Building $202,782
2023	$1,179.00	$205,959 Land $60,000 Building $145,959
2021			$205,959 Land $60,000 Building $145,959

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	Direct 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 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 and 4G LTE (outdoors only)

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