409 Lockhart Rd, Tryon, NC 28782 Property Records

Polk County property record for 409 Lockhart Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 924 sqft · built 1950
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jan 2024)
Tax Bill	$1,554 (2026)
Deeds & Mortgages	Jan 2024 Sale Jan 2024 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T14-E5`

Property Details

APN / Parcel Number

Primary APN	`T14-E5`
Alternative APN	`57349`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	924 sqft Finished Area
Basement Area	1,024 sqft
Finished Basement	408 sqft
Unfinished Basement	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2000
Exterior Material	Vinyl
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	57349
Street Address	409 LOCKHART RD
City	TRYON
State	NC
Zip	28782-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	.31 ACRES, 0T60 TRYON AREA 60
Legal Subdivision	TRYON AREA 60
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1002
Census Tract	920304

Owner

409 Lockhart Rd is owned by an individual who bought it in January 2024.

Source: Polk County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	400 RED FOX RD, COLUMBUS, NC 28722-8722
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Warranty Deed, Transfer
Jan 17, 2024	Warranty Deed, Transfer
Sep 6, 2019	Warranty Deed, Transfer · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jan 14, 2019	Warranty Deed, Transfer
May 29, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2024 · Amount on File
Deed Sale	Jan 17, 2024 · Amount on File
Prior Sale	Sep 6, 2019 · Amount on File
Deed Book / Page	482 / 2211
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 17, 2024
Property Address	409 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00482/2211
Book / Page	482 / 2211
Map Reference	FILE C PG 1100
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Jan 29, 2024

Transaction

Amount	Amount on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 EMERALD PKWY, RUTHERFORDTON, NC 28139-6542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 RED FOX RD, COLUMBUS, NC 28722-8722

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 17, 2024
Property Address	409 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00482/2211
Book / Page	482 / 2211
Instrument Date	Jan 12, 2024
Transaction Type	Transfer
Record Updated	Mar 8, 2024

Transaction

Amount	Amount on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 EMERALD PKWY, RUTHERFORDTON, NC 28139-6542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 RED FOX RD, COLUMBUS, NC 28722-8722

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 6, 2019
Property Address	409 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00442/2307
Book / Page	442 / 2307
Instrument Date	Sep 4, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 LOCKHART RD, TRYON, NC 28782-3904

Mortgage

Document Number	00442/2310
Date	Sep 6, 2019
Book Page	442/2310

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Jan 14, 2019
Property Address	409 LOCKHART RD, TRYON, NC 28782-3904
Document Number	000438/381
Book / Page	438 / 381
Instrument Date	Jan 14, 2019
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 MACIE LN, CANDLER, NC 28715-8704

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	May 29, 2018
Property Address	409 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00433/1639
Book / Page	433 / 1639
Instrument Date	May 29, 2018
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11 MACIE LN, CANDLER, NC 28715-8704

Tax Assessment & Valuation

The 2026 property tax bill for 409 Lockhart Rd was $1,554.

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	$1,554.00	$335,753 (-) Land $17,050 Building $318,703	$335,753 (-) Land $17,050 Building $318,703
2025	$1,554.00	$335,753 Land $17,050 Building $318,703	$335,753 Land $17,050 Building $318,703
2023	$935.00	$163,243 Land $12,400 Building $150,843
2021			$163,243 Land $12,400 Building $150,843

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 409 Lockhart Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1984.

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	5 in force
Nearby Flood Claims	6 (1984–2018)
Claims Outside the SFHA	1 of 6
Most Recent Claim	May 2018 · other causes

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

Wildfire risk around 409 Lockhart Rd is moderate, ranking above 40% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% 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 100 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Windstream DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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