433 Lockhart Rd, Tryon, NC 28782 Property Records

Polk County property record for 433 Lockhart Rd, Tryon, NC 28782

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 648 sqft · built 1957
Lot Size	0.439 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$35,500 (Oct 2017)
Tax Bill	$504 (2025)
Deeds & Mortgages	Jul 2019 Refinance Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`T14-E9`

Property Details

APN / Parcel Number

Primary APN	`T14-E9`
Alternative APN	`55426`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Building Area	648 sqft Finished Area

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1975
Exterior Material	Asbestos
Foundation Type	Retaining Wall
Roof Material	Shingle
Lot Area	19,166 sqft (0.439 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	55426
Street Address	433 LOCKHART RD
City	TRYON
State	NC
Zip	28782-3904
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	T14, 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

Source: Polk County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	429 LOCKHART RD, TRYON, NC 28782-3904
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance HOMETRUST BANK
Oct 12, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 12, 2017 · Amount on Record
Deed Sale	Oct 12, 2017 · Amount on Record
Prior Sale	Mar 26, 2009
Deed Document Number	0000429998
Deed Book / Page	429 / 998
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	POLK NC
Property Address	433 LOCKHART RD, TRYON, NC 28782-3904
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000442/323
Date	Jul 29, 2019
Book Page	442/323

Lender

Name	HOMETRUST BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	POLK NC
Recording Date	Oct 12, 2017
Property Address	433 LOCKHART RD, TRYON, NC 28782-3904
Document Number	00429/0998
Book / Page	429 / 0998
Instrument Date	Oct 12, 2017
Transaction Type	Transfer
Record Updated	Oct 21, 2022

Transaction

Amount	Amount Recorded
Tax	$355.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	205 BELUE CEMETERY RD, 205, LANDRUM, SC 29356-9300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 LOCKHART RD, TRYON, NC 28782-3904

Tax Assessment & Valuation

Source: Polk County assessment roll, as of January 1, 2025

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
2025	$504.00 (+64.71%)	$108,882 (+103.76%) Land $24,200 Building $84,682	$108,882 (+103.76%) Land $24,200 Building $84,682
2023	$306.00	$53,437 Land $17,600 Building $35,837
2021			$53,437 Land $17,600 Building $35,837

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
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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Skyrunner Fixed Wireless	500 / 250
Windstream DSL · Fiber in parts of the area	200 / 20

May also be available: Pangaea Internet.

Cell Coverage

5G (outdoors only) and 4G LTE

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