351 E Rambling Creek, Tryon, NC 28782 Property Records

Polk County property record for 351 E Rambling Creek, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,891 sqft · built 2007
Lot Size	1.13 acres (49,223 sqft)
Owner	2 Individual Names on Record
Last Sale	$512,000 (Mar 2026)
Tax Bill	$3,137 (2026)
Deeds & Mortgages	Sep 2016 Mortgage Dec 2015 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`P116-103`

Property Details

APN / Parcel Number

Primary APN	`P116-103`
Alternative APN	`40394`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Building Area	1,891 sqft Finished Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2010
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Type	Gable
Roof Material	Shingle
Lot Area	49,223 sqft (1.13 acres)
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Account Number	40394
Street Address	351 E RAMBLING CRK
City	TRYON
State	NC
Zip	28782-4504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MX
Legal Description	LOT 18, 0V02 VISTA AT THE RIVER BANK
Legal Subdivision	VISTA AT THE RIVER BANK
Legal Lot Number	18
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	2 Individual Names on Record
Mailing Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2016	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 21, 2015	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Apr 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage SCHUMACHER MORTGAGE LLC
Mar 19, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 16, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2026 · Amount on Record
Deed Sale	Mar 19, 2026 · Amount on Record
Prior Sale	Aug 16, 2022 · Amount on Record
Deed Book / Page	498 / 829
Prior Transfer Date	Aug 24, 2009
Prior Transfer Doc	00375/1714
Record Updated	Oct 29, 2026

September 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	ACCURA TITLE, ACCURATE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00421/1802
Date	Sep 13, 2016
Book Page	421/1802
Instrument	004618380018

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2046

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Adjustable	Adjustable Rate Rider
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

December 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Transaction Type	Mortgage
Record Updated	Apr 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00416/1830
Date	Dec 21, 2015
Book Page	416/1830
Instrument	004574150007

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	MARION, NC 28752

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Transaction Type	Mortgage
Record Updated	Apr 1, 2026
Title Company	ADVANTAGE TITLE COMPANY, ADVANTAGE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 E RAMBLING CRK, TRYON, NC 28782-4504

Mortgage

Document Number	00491/1459
Date	Apr 29, 2025
Book Page	491/1459

Lender

Name	SCHUMACHER MORTGAGE LLC
Type	Mortgage Company
Address	CANTON, OH 44708

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	13 Months
Due	May 1, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Mar 19, 2026
Property Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Document Number	000498/829
Book / Page	498 / 829
Map Reference	FILE E PG 1342&1433
Instrument Date	Mar 16, 2026
Transaction Type	Transfer
Record Updated	Apr 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,024.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 204, MILL SPRING, NC 28756-0204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 E RAMBLING CRK, TRYON, NC 28782-4504

Mortgage

Document Number	0000498832
Date	Mar 19, 2026
Instrument	498/832

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2046

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Aug 16, 2022
Property Address	351 E RAMBLING CRK, TRYON, NC 28782-4504
Document Number	000472/610
Book / Page	472 / 610
Map Reference	FILE E PG 1342&1433
Instrument Date	Aug 16, 2022
Transaction Type	Transfer
Record Updated	Sep 6, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,050.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 1, RUTHERFORDTON, NC 28139-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	351 E RAMBLING CRK, TRYON, NC 28782-4504

Mortgage

Document Number	0000472613
Date	Aug 16, 2022
Instrument	472/613

Lender

Name	UNITED COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Sep 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	Other
Max Rate	10.3%

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	$3,137.00	$590,424 (-) Land $35,910 Building $554,514	$590,424 (-) Land $35,910 Building $554,514
2025	$3,137.00 (+52.13%)	$590,424 (+82.67%) Land $35,910 Building $554,514	$590,424 (+82.67%) Land $35,910 Building $554,514
2023	$2,062.00	$323,211 Land $25,910 Building $297,301
2021			$323,211 Land $25,910 Building $297,301

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 46% of the US · above 67% 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 12 locations within half a mile, as of December 31, 2025

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

May also be available: Pangaea Internet.

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