295 Payne St, Tryon, NC 28782 Property Records

Polk County property record for 295 Payne St, Tryon, NC 28782 · Last verified October 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	1 Baths
Year Built	Built 1970
Square Footage	968 sqft Finished Area
Lot Size	73,616 sqft (1.69 acres)
Last Sale	$120,000 (2007)
Tax Bill	$871.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`T7-A10`
Alternative APN	`35648`

Interior

Bedrooms	2 Beds
Full Baths	1 Baths
Total Rooms	3 Rooms
Building Area	968 sqft Finished Area

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1970
Exterior Material	Other Exterior
Foundation Type	Retaining Wall Foundation
Roof Material	Shingle Roof
Lot Area	73,616 sqft (1.69 acres)

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	35648
Street Address	295 PAYNE ST
City	TRYON
State	NC
Zip	28782-3023
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	T7, 0T51 TRYON AREA 51
Legal Subdivision	TRYON AREA 51
Jurisdiction	POLK NC
Minor Civil Division	TRYON
Census Blockgroup	3
Census Block	3010
Census Tract	920304

Owner

Source: Polk County records · APN T7-A10

Assessment roll updated January 1, 2025 · Last verified October 2025

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

Owner of Record	Individual Name on File
Mailing Address	1019 LAKEVIEW DR, MOUNT PLEASANT, SC 29464-3525
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 31, 2007 · Amount on Record
Deed Sale	May 31, 2007 · Amount on Record
Deed Doc Number	0000354969
Deed Book / Page	354 / 969
Record Refreshed	Jun 08, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	295 PAYNE ST, TRYON, NC 28782-3023
Transaction Type	Mortgage
Record Updated	Feb 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	446/567
Date	Jan 28, 2020
Book Page	446/567

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Stand Alone Refinance
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2035

Tax Assessment & Valuation

Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025

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

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	$871.00 (+22.33%)	$188,201 (+51.21%) Land $51,210 Building $136,991	$188,201 (+51.21%) Land $51,210 Building $136,991
2023	$712.00	$124,466 Land $46,210 Building $78,256
2021			$124,466 Land $46,210 Building $78,256

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Polk County (37149C), updated July 8, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 68% 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; lenders make the official flood determination.