Polk County property record for 345 Payne St, Tryon, NC 28782
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,094 sqft · built 1910 |
| Lot Size | 1.47 acres (64,033 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,003 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T7-A11 |
| Primary APN | T7-A11 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Building Area | 1,094 sqft Finished Area |
| Fireplace | Fireplace |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Wood Siding |
| Foundation Type | Retaining Wall |
| Roof Material | Metal |
| Lot Area | 64,033 sqft (1.47 acres) |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 23158 |
|---|---|
| Street Address | 345 PAYNE ST |
| City | TRYON |
| State | NC |
| Zip | 28782-3025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | T7, PLAT: CARD FILE C-647, 0T71 TRYON AREA 71 |
| Legal Subdivision | TRYON AREA 71 |
| Jurisdiction | POLK NC |
| Township / Civil Division | TRYON |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 920304 |
Source: Polk County records · APN T7-A11
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 | 2 Individual Names on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 345 PAYNE ST, TRYON, NC 28782-3025 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Deed Document Number | 0000231316 |
| Record Updated | Jun 08, 2026 |
Source: Polk County records · Assessment roll updated January 1, 2025 · Last verified October 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Polk County |
| Municipality | Tryon Town |
| 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 | $1,003.00 (+26.16%) | $216,890 (+56.14%) Land $62,050 Building $154,840 | $216,890 (+56.14%) Land $62,050 Building $154,840 |
| 2023 | $795.00 | $138,905 Land $47,050 Building $91,855 | |
| 2021 | $138,905 Land $47,050 Building $91,855 |
Source: FEMA National Flood Hazard Layer as of July 8, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Wildfire Risk | Moderate above 47% of the US · above 68% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Skyrunner Fixed Wireless | 500 / 250 |
| Uniti Group DSL · Fiber in parts of the area | 200 / 20 |
May also be available: e-Polk.
Based on FCC filings for 125 locations within half a mile of this property.
4G LTE (outdoors only), no 5G reported
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOWN OF TRYON serves 5,494 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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