348 Winners Cir, Tryon, NC 28782 Property Records

Polk County property record for 348 Winners Cir, Tryon, NC 28782

Property Summary

Property Type	Other Improved
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$8,000 (Sep 2021)
Tax Bill	$1,190 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Oct 2022 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T2-A7`

Property Details

APN / Parcel Number

Primary APN	`T2-A7`
Alternative APN	`54893`

Exterior

Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Account Number	54893
Street Address	348 WINNERS CIR
City	TRYON
State	NC
Zip	28782-3750
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	M
Legal Description	LOT 11 STONES THROW, 0S07 STONES THROW 09
Legal Subdivision	STONES THROW
Legal Lot Number	11
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	4
Census Block	4019
Census Tract	920304

Owner

Source: Polk County records, as of October 16, 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	348 WINNERS CIR, TRYON, NC 28782-3750
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · VA Mortgage FIRST CITIZENS BANK & TRUST CO
Oct 7, 2022	Deed of Trust, Mortgage · Construction Mortgage HOMETRUST BANK
Sep 27, 2021	Warranty Deed, Transfer
Mar 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2021 · Amount on Record
Deed Sale	Sep 27, 2021 · Amount on Record
Prior Sale	Mar 16, 2017 · Amount on Record
Deed Book / Page	463 / 1380
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	348 WINNERS CIR, TRYON, NC 28782-3750
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000462/590
Date	Aug 16, 2021
Book Page	462/590

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	COLUMBIA, SC 29211

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	348 WINNERS CIR, TRYON, NC 28782-3750
Transaction Type	Mortgage
Record Updated	Nov 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3709 HUNTING COUNTRY RD, TRYON, NC 28782-6668

Mortgage

Document Number	00473/1456
Date	Oct 7, 2022
Book Page	473/1456

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	367 Months
Due	May 1, 2053

Interest

Rate Type	Fixed Rate
Rate	5.37%
Type Change Date	May 1, 2030
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.3%
Index	Other
Margin	3
Max Rate	10.3%

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 27, 2021
Property Address	348 WINNERS CIR, TRYON, NC 28782-3750
Document Number	00463/1380
Book / Page	463 / 1380
Map Reference	SL A-201 PG 19
Instrument Date	Sep 27, 2021
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Tax	$16.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	380 WINNERS CIR, TRYON, NC 28782-3750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 GRADY AVE APT E, E, TRYON, NC 28782-3044

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 16, 2017
Property Address	348 WINNERS CIR, TRYON, NC 28782-3750
Document Number	00425/1100
Book / Page	425 / 1100
Instrument Date	Mar 14, 2017
Transaction Type	Transfer
Record Updated	Nov 27, 2023

Transaction

Amount	Amount Recorded
Tax	$180.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 103, LYNN, NC 28750-0103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	603 JEFFERSON WAY, CONWAY, SC 29526-8703

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	$1,190.00	$257,143 (-) Land $32,500 Building $224,643	$257,143 (-) Land $32,500 Building $224,643
2025	$1,190.00 (+972.07%)	$257,143 (+1,218.68%) Land $32,500 Building $224,643	$257,143 (+1,218.68%) Land $32,500 Building $224,643
2023	$111.00 (+3.74%)	$19,500 (-) Land $19,500
2022	$107.00	$19,500 Land $19,500
2021			$19,500 Land $19,500

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	2 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 50% of the US · above 71% 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 138 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	200 / 20

May also be available: Pangaea Internet, Verizon.

Cell Coverage

4G LTE only, no 5G reported

Nearby Properties on Winners Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures