265 E Rambling Creek, Tryon, NC 28782 Property Records

Polk County property record for 265 E Rambling Creek, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,700 sqft · built 2006
Lot Size	4.72 acres (205,603 sqft)
Owner	Individual Name on Record
Last Sale	$318,000 (Apr 2015)
Tax Bill	$2,999 (2026)
Deeds & Mortgages	Nov 2018 Mortgage Dec 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`P116-100`

Property Details

APN / Parcel Number

Primary APN	`P116-100`
Alternative APN	`53105`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,700 sqft Finished Area
Basement Area	1,700 sqft
Finished Basement	575 sqft
Unfinished Basement	1,125 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	205,603 sqft (4.72 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	53105
Street Address	265 E RAMBLING CRK
City	TRYON
State	NC
Zip	28782-0029
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 15, 0V02 VISTA AT THE RIVER BANK
Legal Subdivision	VISTA AT THE RIVER BANK
Legal Lot Number	15
Jurisdiction	POLK NC
Township / Civil Division	GREEN CREEK
Census Block Group	1
Census Block	1039
Census Tract	920101

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	265 E RAMBLING CRK, TRYON, NC 28782-0029
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2018	Deed of Trust, Mortgage PNC BANK
Dec 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2015 · Amount on Record
Deed Sale	Apr 27, 2015 · Amount on Record
Prior Sale	Aug 24, 2011 · Amount on Record
Deed Book / Page	412 / 1136
Prior Transfer Date	May 27, 2008
Prior Transfer Doc	00365/0820
Record Updated	Oct 29, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	265 E RAMBLING CRK, TRYON, NC 28782-0029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000437/0000000104
Date	Nov 13, 2018
Book Page	0000000437/0000000104

Lender

Name	PNC BANK
Type	Bank

Agreement

Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	265 E RAMBLING CRK, TRYON, NC 28782-0029
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	455/305
Date	Dec 23, 2020
Book Page	455/305

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Jan 1, 2046

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	North Carolina
County	Polk County
Unified School District	Polk County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,999.00	$564,417 (-) Land $61,040 Building $503,377	$564,417 (-) Land $61,040 Building $503,377
2025	$2,999.00 (+23.82%)	$564,417 (+48.68%) Land $61,040 Building $503,377	$564,417 (+48.68%) Land $61,040 Building $503,377
2023	$2,422.00	$379,612 Land $51,040 Building $328,572
2021			$379,612 Land $51,040 Building $328,572

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	2 in force
Nearby Flood Claims	5 (2015–2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 2 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 Risk	Moderate above 51% of the US · above 72% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30
Windstream DSL	200 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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