21 Winners Cir, Tryon, NC 28782 Property Records

Polk County property record for 21 Winners Cir, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,778 sqft · built 1992
Lot Size	1.07 acres (46,609 sqft)
Owner	2 Individual Names on Record
Last Sale	$262,000 (Jun 2018)
Tax Bill	$1,771 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T5-D29`

Property Details

APN / Parcel Number

Primary APN	`T5-D29`
Alternative APN	`56108`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,778 sqft Finished Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	46,609 sqft (1.07 acres)
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	56108
Street Address	21 WINNERS CIR
City	TRYON
State	NC
Zip	28782-2761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOT #3, 0S07 STONES THROW 09
Legal Subdivision	STONES THROW
Legal Lot Number	3
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	4
Census Block	4020
Census Tract	920304

Owner

Source: Polk County records, as of September 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	21 WINNERS CIR, TRYON, NC 28782-2761
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Et Ux (and Wife)

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2018	Deed of Trust, Mortgage FRANKLIN AMERICAN MORTGAGE
Oct 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP
May 15, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jun 14, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2018 · Amount on Record
Deed Sale	Jun 14, 2018 · Amount on Record
Prior Sale	May 27, 2011 · Amount on Record
Deed Document Number	20184705520003
Deed Book / Page	433 / 2456
Record Updated	Oct 29, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	21 WINNERS CIR, TRYON, NC 28782-2761
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000433/0000002459
Date	Jun 14, 2018
Book Page	0000000433/0000002459
Instrument	004705530014

Lender

Name	FRANKLIN AMERICAN MORTGAGE
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	355 Months
Due	Jan 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	21 WINNERS CIR, TRYON, NC 28782-2761
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	452/2423
Date	Oct 16, 2020
Book Page	452/2423

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	21 WINNERS CIR, TRYON, NC 28782-2761
Transaction Type	Mortgage
Record Updated	Jun 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440/1165
Date	May 15, 2019
Book Page	440/1165

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jun 14, 2018
Property Address	21 WINNERS CIR, TRYON, NC 28782-2761
Document Number	00433/2456
Book / Page	433 / 2456
Instrument Date	Jun 14, 2018
Instrument	004705520003
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	21 WINNERS CIR, TRYON, NC 28782-2761

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	$1,771.00	$382,631 (-) Land $66,050 Building $316,581	$382,631 (-) Land $66,050 Building $316,581
2025	$1,771.00 (+3.87%)	$382,631 (+28.47%) Land $66,050 Building $316,581	$382,631 (+28.47%) Land $66,050 Building $316,581
2023	$1,705.00	$297,831 Land $66,050 Building $231,781
2021			$297,831 Land $66,050 Building $231,781

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	2 in force

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 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.1% 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 138 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	200 / 20

May also be available: Pangaea Internet, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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