Polk County property record for 2423 River Rd, Tryon, NC 28782 · Last verified May 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · built 2000 |
| Lot Size | 12.4 acres (544,064 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $700,000 (Oct 2023) |
| Tax Bill | $4,090 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Oct 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | P75-56 |
| Primary APN | P75-56 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Lot Area | 544,064 sqft (12.4 acres) |
| Garage Type | Carport |
| Garage Area | 288 sqft |
| Carport | Carport |
| Carport Area | 288 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 800 sqft |
| Total Buildings | 3 Buildings |
| Account Number | 2014 |
|---|---|
| Street Address | 2423 RIVER RD |
| City | TRYON |
| State | NC |
| Zip | 28782-7743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | P75, P75 MAP P75 |
| Legal Subdivision | MAP P75 |
| Jurisdiction | POLK NC |
| Township / Civil Division | COLUMBUS |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 920104 |
Source: Polk County records · APN P75-56
Assessment roll updated September 30, 2025 · Last verified May 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 File |
|---|---|
| Mailing Address | 2423 RIVER RD, TRYON, NC 28782-7743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2026 | Deed of Trust, Mortgage · Line of Credit HOMETRUST BANK |
| Oct 16, 2023 | Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 16, 2023 · Amount on Record |
| Deed Sale | Oct 16, 2023 · Amount on Record |
| Prior Sale | May 09, 2003 |
| Deed Book / Page | 481 / 644 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | May 12, 2026 |
| Property Address | 2423 RIVER RD, TRYON, NC 28782-7743 |
| Document Number | 0499001672 |
| Book / Page | 499 / 1672 |
| Instrument Date | May 07, 2026 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2423 RIVER RD, TRYON, NC 28782-7743 |
| Document Number | 0499001672, |
|---|---|
| Date | May 12, 2026 |
| Book Page | 499/1672 |
| Name | HOMETRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 25, 2051 |
| Rate | 6.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | POLK NC |
| Recording Date | Oct 16, 2023 |
| Property Address | 2423 RIVER RD, TRYON, NC 28782-7743 |
| Document Number | 000481/644 |
| Book / Page | 481 / 644 |
| Map Reference | CARD B PG 899 |
| Instrument Date | Oct 09, 2023 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 471 PILLER ST, ALAMEDA, CA 94501 |
| Name | Verified Name |
|---|---|
| Address | 2423 RIVER RD, TRYON, NC 28782-7743 |
| Document Number | 0000481650 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 481/650 |
| Name | HOMETRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2053 |
Source: Polk County records · Assessment roll updated September 30, 2025 · Last verified May 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 | $4,090.00 (+7.18%) | $782,637 (+30.59%) Land $169,900 Building $612,737 | $782,637 (+30.59%) Land $169,900 Building $612,737 |
| 2023 | $3,816.00 (+4.52%) | $599,306 (-) Land $121,920 Building $477,386 | |
| 2022 | $3,651.00 | $599,306 Land $121,920 Building $477,386 | |
| 2021 | $599,306 Land $121,920 Building $477,386 |
Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 371499201041, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 4 individual NFIP policies nearby |
| Nearby Flood Policies | 4 in force 2 of 4 on primary residences |
| Nearby Flood Claims | 2 (2020) |
| Claims Outside the SFHA | 2 of 2 |
| Most Recent Claim | May 2020, river or lake flooding |
| Wildfire Risk | Moderate above 49% of the US · above 70% of North Carolina |
|---|---|
| Wildfire Likelihood | About 1 in 971 per year |
| 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.
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