422 Lockhart Rd, Tryon, NC 28782 Property Records

Polk County property record for 422 Lockhart Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 625 sqft · built 1938
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$146,000 (Feb 2017)
Tax Bill	$864 (2026)
Deeds & Mortgages	Oct 2020 Line of Credit Nov 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T14-D15`

Property Details

APN / Parcel Number

Primary APN	`T14-D15`
Alternative APN	`54784`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	625 sqft Finished Area
Basement Area	625 sqft
Finished Basement	625 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	54784
Street Address	422 LOCKHART RD
City	TRYON
State	NC
Zip	28782-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	TRACT 1 & 2, 0T60 TRYON AREA 60
Legal Subdivision	TRYON AREA 60
Legal Tract	1
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	1
Census Block	1003
Census Tract	920304

Owner

422 Lockhart Rd is owned by two individuals who bought it in February 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	1337 BROWNSWOOD RD, JOHNS ISLAND, SC 29455-3233
Owner Type	Individual
Vesting	Et Ux (and Wife)

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
Oct 5, 2020	Deed of Trust, Mortgage · Line of Credit COGENT BANK
Nov 20, 2017	Deed of Trust, Mortgage · Line of Credit PINNACLE BANK
Feb 8, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2017 · Amount on File
Deed Sale	Feb 8, 2017 · Amount on File
Prior Sale	Jun 7, 2016 · Amount on File
Deed Book / Page	424 / 1878
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	422 LOCKHART RD, TRYON, NC 28782-3904
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00452/1288
Date	Oct 5, 2020
Book Page	452/1288

Lender

Name	COGENT BANK
Type	Bank
Address	GREENVILLE, SC 29601

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 4, 2045

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	422 LOCKHART RD, TRYON, NC 28782-3904
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000430/133
Date	Nov 20, 2017
Book Page	430/133
Instrument	004670340007

Lender

Name	PINNACLE BANK
Type	Bank
Address	THOMASVILLE, NC 27361

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 8, 2017
Property Address	422 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00424/1878
Book / Page	424 / 1878
Instrument Date	Feb 3, 2017
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Amount	Amount on Record
Tax	$292.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1337 BROWNSWOOD RD, JOHNS ISLAND, SC 29455-3233

Tax Assessment & Valuation

The 2026 property tax bill for 422 Lockhart Rd was $864.

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	$864.00	$186,839 (-) Land $17,600 Building $169,239	$186,839 (-) Land $17,600 Building $169,239
2025	$864.00	$186,839 Land $17,600 Building $169,239	$186,839 Land $17,600 Building $169,239
2023	$769.00	$134,318 Land $12,800 Building $121,518
2021			$134,318 Land $12,800 Building $121,518

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

Flood

FEMA maps place 422 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 422 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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