41 Embury St, Tryon, NC 28782 Property Records

Polk County property record for 41 Embury St, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,050 sqft · built 1875
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (May 2023)
Tax Bill	$1,140 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit May 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T14-D7`

Property Details

APN / Parcel Number

Primary APN	`T14-D7`
Alternative APN	`19520`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	1,050 sqft Finished Area
Basement Area	508 sqft
Unfinished Basement	508 sqft

Exterior

Year Built	Built 1875
Effective Year Built	Effective 1940
Exterior Material	Other
Foundation Type	Retaining Wall
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	19520
Street Address	41 EMBURY ST
City	TRYON
State	NC
Zip	28782-2984
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	EMBURY ST, 0T61 TRYON AREA 61
Legal Subdivision	TRYON AREA 61
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	2
Census Block	2040
Census Tract	920304

Owner

41 Embury St is owned and occupied by an individual who bought it in May 2023.

Source: Polk County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	41 EMBURY ST, TRYON, NC 28782-2984
Occupancy	Owner Occupied
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
Jul 12, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 19, 2022	Intrafamily Transfer, Transfer
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 24, 2023 · Amount on File
Deed Sale	May 24, 2023 · Amount on File
Prior Sale	Sep 17, 2021 · Amount on File
Deed Book / Page	478 / 683
Prior Transfer Date	May 19, 2022
Prior Transfer Doc	000470/340
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	41 EMBURY ST, TRYON, NC 28782-2984
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 EMBURY ST, TRYON, NC 28782-2984

Mortgage

Document Number	000471/878
Date	Jul 12, 2022
Book Page	471/878

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	POLK NC
Recording Date	May 19, 2022
Property Address	41 EMBURY ST, TRYON, NC 28782-2984
Document Number	000470/340
Book / Page	470 / 340
Map Reference	FILE B PG 1298
Instrument Date	May 19, 2022
Transaction Type	Transfer
Record Updated	Jun 6, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	41 EMBURY ST, TRYON, NC 28782-2984

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Sep 17, 2021
Property Address	41 EMBURY ST, TRYON, NC 28782-2984
Document Number	463/755
Book / Page	463 / 755
Map Reference	FILE B PG 1298
Instrument Date	Sep 17, 2021
Transaction Type	Transfer
Record Updated	Oct 1, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	271 GOLDEN RD, 271, TRYON, NC 28782-9684

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	41 EMBURY ST, TRYON, NC 28782-2984

Mortgage

Document Number	463758
Date	Sep 17, 2021
Instrument	463/758

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Oct 1, 2026
Change Frequency	5 Years
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	5-Year CMT
Max Rate	8.75%

Tax Assessment & Valuation

The 2026 property tax bill for 41 Embury St was $1,140.

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	$1,140.00	$246,348 (-) Land $14,850 Building $231,498	$246,348 (-) Land $14,850 Building $231,498
2025	$1,140.00	$246,348 Land $14,850 Building $231,498	$246,348 Land $14,850 Building $231,498
2023	$388.00	$67,908 Land $8,100 Building $59,808
2021			$67,908 Land $8,100 Building $59,808

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 41 Embury St in Zone X, an area of minimal flood risk, though there have been 13 flood claims nearby since 1995.

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
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	13 (1995–2024)
Claims Outside the SFHA	3 of 13
Most Recent Claim	Sep 2024 · Tropical Storm Helene
Claims by Event	Tropical Storm Helene, Sep 2024 · 7 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

Wildfire risk around 41 Embury St 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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