431 N Trade St, Tryon, NC 28782 Property Records

Polk County property record for 431 N Trade St, Tryon, NC 28782

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,198 sqft · built 1989
Lot Size	0.3 acres (13,068 sqft)
Owner	Company Name on Record
Last Sale	$325,000 (Feb 2023)
Tax Bill	$1,421 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T10-A7`

Property Details

APN / Parcel Number

Primary APN	`T10-A7`
Alternative APN	`35440`

Interior

Total Rooms	8 Rooms
Building Area	1,198 sqft Finished Area
Basement Area	1,198 sqft
Finished Basement	1,198 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,068 sqft (0.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	35440
Street Address	431 N TRADE ST
City	TRYON
State	NC
Zip	28782-3027
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Local Zoning Code	M
Legal Description	T10, T11A T11A
Jurisdiction	POLK NC
Township / Civil Division	TRYON
Census Block Group	2
Census Block	2034
Census Tract	920304

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	Company Name on Record
Mailing Address	125 LAUREL AVE, TRYON, NC 28782-2777
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2023 · Amount on Record
Deed Sale	Feb 3, 2023 · Amount on Record
Prior Sale	Sep 21, 2001 · Amount on Record
Deed Book / Page	475 / 1991
Prior Transfer Date	Jun 17, 2008
Prior Transfer Doc	00365/2003
Record Updated	Oct 29, 2026

February 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	POLK NC
Recording Date	Feb 3, 2023
Property Address	431 N TRADE ST, TRYON, NC 28782-3027
Document Number	00475/1991
Book / Page	475 / 1991
Instrument Date	Jan 30, 2023
Transaction Type	Transfer
Record Updated	Feb 17, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 CHESTNUT ST, TRYON, NC 28782-3483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 LAUREL AVE, TRYON, NC 28782-2777

Mortgage

Document Number	0004751994
Date	Feb 3, 2023
Instrument	475/1994

Lender

Name	LINDA PATTERSON
Type	Private Party

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	245 Months
Due	Jul 2, 2043

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	$1,421.00	$307,113 (-) Land $135,000 Building $172,113	$307,113 (-) Land $135,000 Building $172,113
2025	$1,421.00 (+40.42%)	$307,113 (+73.73%) Land $135,000 Building $172,113	$307,113 (+73.73%) Land $135,000 Building $172,113
2023	$1,012.00	$176,780 Land $90,000 Building $86,780
2021			$176,780 Land $90,000 Building $86,780

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
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	Moderate above 45% of the US · above 66% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 104 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Trade St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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