255 Grady Ave, Tryon, NC 28782 Property Records

Polk County property record for 255 Grady Ave, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,592 sqft · built 1965
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on Record
Last Sale	$99,000 (Mar 2004)
Tax Bill	$1,283 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Nov 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T10-E2`

Property Details

APN / Parcel Number

Primary APN	`T10-E2`
Alternative APN	`31511`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,592 sqft Finished Area
Basement Area	1,424 sqft
Finished Basement	240 sqft
Unfinished Basement	1,184 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1990
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,810 sqft (0.34 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	31511
Street Address	255 GRADY AVE
City	TRYON
State	NC
Zip	28782-3008
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOTS #1 & 2, 0T71 TRYON AREA 71
Legal Subdivision	TRYON AREA 71
Legal Lot Number	1-2
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	3
Census Block	3010
Census Tract	920304

Owner

Source: Polk County records, as of September 28, 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 Record
Mailing Address	255 GRADY AVE, TRYON, NC 28782-3008
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALCOVA MORTGAGE LLC
Nov 8, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance LENDUS LLC
Nov 15, 2018	Deed of Trust, Mortgage STATE EMPLOYEES CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2004 · Amount on Record
Deed Sale	Mar 12, 2004 · Amount on Record
Prior Sale	Aug 25, 2003 · Amount on Record
Deed Book / Page	11 / 1778
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	255 GRADY AVE, TRYON, NC 28782-3008
Transaction Type	Mortgage
Record Updated	Mar 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	456/461
Date	Feb 17, 2021
Book Page	456/461

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company
Address	ROANOKE, VA 24011

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	255 GRADY AVE, TRYON, NC 28782-3008
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	444/1122
Date	Nov 8, 2019
Book Page	444/1122

Lender

Name	LENDUS LLC

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	255 GRADY AVE, TRYON, NC 28782-3008
Transaction Type	Mortgage
Record Updated	Dec 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000437/0000000237
Date	Nov 15, 2018
Book Page	0000000437/0000000237

Lender

Name	STATE EMPLOYEES CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded

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	$1,283.00	$277,180 (-) Land $18,700 Building $258,480	$277,180 (-) Land $18,700 Building $258,480
2025	$1,283.00 (+17.38%)	$277,180 (+45.22%) Land $18,700 Building $258,480	$277,180 (+45.22%) Land $18,700 Building $258,480
2023	$1,093.00	$190,872 Land $13,600 Building $177,272
2021			$190,872 Land $13,600 Building $177,272

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	3 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 47% of the US · above 68% of North Carolina
Wildfire Likelihood	0.1% 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 125 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

4G LTE (outdoors only), no 5G reported

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